农户联保贷款不良率高的成因分析——以吉林省德惠市农村信用社为例  

The Analysis on the High Rate of Bad Loans of Peasant Joint Guarantee Loan——Take Dehui Rural Credit Cooperatives as an Example

作　　者：王立春[1] 

机构地区：[1]中国人民银行德惠市支行,吉林德惠130500

出　　处：《吉林金融研究》2013年第7期51-53,共3页Journal of Jilin Financial Research

摘　　要：农户联保贷款是农村金融产品的一个创新,为农户贷款难开辟了一条新途径,然而实际运营过程中,由于管理不到位及一些客观原因,致使农户贷款中出现大量的不良。本文通过对德惠市农村信用社农户联保贷款的调查,深入分析农户联保贷款的成因。The peasant joint guarantee loan is an innovation of rural financial products, but in the actual operation process, because of management not in place and some objective reasons, there are a large number of bad loans of farmer loan. Through the investigation of the rural credit cooperatives farmers loans in Dehui City, we do in-depth analysis of causes of the peasant joint guarantee loan.

关 键 词：农户联保贷款 成因 农村信用社 

分 类 号：F832.43[经济管理—金融学]