转型期农村信贷担保机制创新研究——以福建大田县红星村为例  

Research of the Innovation of Rural Credit Guarantee Mechanism in the Transitional Period

作　　者：刘祚祥[1] 张芳[1] 

机构地区：[1]长沙理工大学经济与管理学院,湖南长沙410114

出　　处：《长沙理工大学学报（社会科学版）》2013年第3期75-79,共5页Journal of Changsha University of Science and Technology：Social Science

基　　金：教育部人文社科规划基金项目"农业保险与农村信贷互动机制研究"(10JA790122);国家社科基金项目"农业产业基金与转变农业发展方式研究"(11BJL043)

摘　　要：农村有效抵押担保的缺乏及资金外流严重制约了农村经济发展,导致我国农村金融呈现出机构"难贷款"、农民"贷款难"的双重矛盾,农村信贷担保短缺成为农村金融市场效率低下的主要原因。本文以三明市大田县红星村贷款担保基金协会为例,用声誉机制模型描述了协会的可持续性,以学习曲线来论证乡村企业家能力形成的内在机理,分析了红星村模式中熟人社会信用与商业信用的联结机制,并以此论证农村金融创新的内生逻辑。A lack of effective mortgage guarantee and an outflow of capital in the countryside has seriously restricted rural economic development,resulting in twofold contradictory situation where financial institutions face the problem of ＂ hard to extend credit＂,while farmers face the problem of ＂ hard to place a loan＂.The shortage of rural credit guarantee is the main reason for low efficiency in rural financial market.This article has chosen the Hongxing Village,Datian County Loan Guarantee Fund Association in the city of Sanming as the typical case,with the reputation mechanism model to describe the sustainability of this association and the learning curve theory to demonstrate internal rules in the formation of rural entrepreneur.It analyzes mechanisms combining credit in acquaintance society with commercial credit of Hongxing model to demonstrate the internal logic of financial innovation in rural areas.

关 键 词：担保协会 熟人社会 声誉机制 企业家能力 

分 类 号：F832.43[经济管理—金融学]