农村金融创新中的多重委托代理结构问题研究——基于耕地抵押贷款模式的考察  

Research on Multiple Principal-agent Structural Problems in Rural Financial Innovation—An Investigation of the Cultivated Land Based on the Mortgage Mode

作　　者：张庆君[1] 

机构地区：[1]渤海大学,辽宁锦州121013

出　　处：《金融发展研究》2010年第11期71-73,共3页Journal Of Financial Development Research

基　　金：辽宁省社会科学界联合会项目(项目编号:2009lslktjjx-114)的阶段性研究成果

摘　　要：本文从委托代理理论的视角,对农村金融创新中的以合作社为主体的"农户+合作社+金融机构"的耕地抵押贷款模式进行了研究,发现该模式中存在合作社内部、合作社和其它外部组织之间的委托代理关系,即存在多重委托代理关系,这给合作社的经营管理带来一定的难度和复杂性,需要建立适当的预防、监管和救助机制加以完善。From the view of principal-agent theory,the paper studies the farmland mortgage model of the＂peasants ＋ cooperatives ＋ financial institutions＂in which cooperatives are the main body in the rural financial innovation.The study finds out that there are multiple principal-agent relationships existing in the internal cooperatives,between cooperatives and others.This problem brings the cooperative management with certain difficulty and complexity,and proper prevention,supervision and salvage mechanisms need to establish.

关 键 词：金融创新 委托代理 合作社 抵押贷款 

分 类 号：F830.6[经济管理—金融学]