农村信贷市场的微观结构与策略履行  

The Micro-structure and Strategy Enforcement of Rural Credit Market

作　　者：胡士华[1] 彭芳[2] 

机构地区：[1]西南大学经济管理学院,重庆400715 [2]中国建设银行重庆渝中支行,重庆400015

出　　处：《改革》2011年第4期55-59,共5页Reform

基　　金：国家哲学社会科学基金项目"非正规金融在完善农村金融体系中的功能及机制研究"(批准号:08BJY146);重庆市社会科学规划项目"国有商业银行改制为上市股份制公司后的风险防范研究"(批准号:2007-JJ10)

摘　　要：运行有效的借贷合约要处理好合约中的甄别、激励、监督与合约履行机制问题。由于信息获取、借贷合约设计与履行均要花费成本,则不同贷款人依据自身特征、信息禀赋状况等,对借贷合约中的甄别、激励、监督和合约履行问题实施不同的策略,这便构成了正规与非正规借贷合约的微观差异基础。其启示意义在于:将这两部门的比较优势综合起来,可以得出深化、整合农村信贷市场的策略。An effective credit contract must deal with screening,incentive,monitoring and enforcement mechanism.Because there is expenditure on information acquisition,contract design and enforcement,various types of lenders carry out different strategies to the above dealings according to their personal characteristics,endowment of information and so forth,which forms the micro-difference basis of formal and informal credit contract.The enlightenment would be that synthesizing the comparative advantages of the two finance sectors together,we can obtain the important strategies to deepen and integrate rural credit market.

关 键 词：正规借贷 非正规借贷 合约分析 

分 类 号：F832.35[经济管理—金融学]