村级发展互助资金的目标瞄准、还款机制及供给成本——以四川省小金县四个样本村为例  

Targeting,Repayment Mechanism and Cost for Credit Delivery:An Analysis Based on a Case from Xiaojin County,Sichuan Provice

作　　者：刘西川[1] 

机构地区：[1]浙江理工大学经济管理学院,杭州310038

出　　处：《农业经济问题》2012年第8期65-72,111,共8页Issues in Agricultural Economy

摘　　要：本文以四川省小金县四个样本村为案例,从目标瞄准、还款机制及供给成本三个方面考察村级发展互助资金的实施情况。研究发现,四个村级发展互助资金未能瞄准当地贫困群体,其原因是贫困群体缺乏生产性贷款需求;通过将联保机制与贷款用途、贷款限额、未来贷款机会及国家其他补助"捆绑"起来,村级发展互助资金建立起了有效的还款机制,并采用"轮"的办法保证了信贷资金分配的公平;从利率与管理支出来看村级发展互助资金是一种成本较低的农村金融供给模式。This paper examines the Village Fund's poverty targeting,the repayment mechanism and the cost for credit delivery in Xiaojin County.The village funds have not targeted the poor.The poor lack in the demand for the loans,even if they have are not satisfied with the contract,while there exists elite capture probably.The village fund's repayment mechanism includes the jointly security,the loan use,the credit limit and the government subsides,and employed applying credit by turn to distribute loans equally.In terms of the interest and expenditure,the village fund is a cheaper financial supply model.

关 键 词：村级发展互助资金 目标瞄准 还款机制 供给成本 经验支持 

分 类 号：F832.35[经济管理—金融学]