抵押与抵押替代:基于信息约束的农户信贷产品变革  

Mortgage and Its Alternativ——A Reform of Farm Loan Based On The Information Processing

作　　者：刘玉平[1] 

机构地区：[1]上海金融学院,上海201209

出　　处：《金融教育研究》2011年第2期66-70,共5页Research of Finance and Education

基　　金：2010年度上海市教育委员会科研创新项目"村镇银行发展研究(10ZS128)"的阶段性成果

摘　　要：传统的农户信贷产品因为逆向选择和道德风险原因,可能导致市场萎缩,农户因可得的金融资源受到限制而产生严重的福利损失。从农户信贷市场中的信息约束出发,通过比较传统农户信贷、农地抵押和小额信贷三种农户信贷产品,可以寻找到信贷产品的有效变革路径。The financial market would shrink because of the adverse selection and moral hazard in the traditional farm loan, and less financial resources for farmers would lead to the loss of welfare. The roadmap of efficient reform could be concluded from the comparing among traditional farm loan, farm mortgage and micro -finance, with reference to the information processing in the financial market of farm loan.

关 键 词：农户信贷 农地抵押 小额信贷 农村小型金融机构 

分 类 号：F832.4[经济管理—金融学]