“政银保”农业贷款模式绩效及制度创新解析——基于佛山三水的经验  

Performance and system innovation of “Zheng Yin Bao”agricultural loan pattern——Based on the experience in Sanshui District, Foshan

作　　者：张乐柱[1] 李海辉[1] 

机构地区：[1]华南农业大学经济管理学院,广东广州510642

出　　处：《广东农业科学》2014年第16期215-219,共5页Guangdong Agricultural Sciences

基　　金：国家社会科学基金项目(12BJY096)

摘　　要：佛山市三水区首推"政银保"农业贷款模式,促进了农村金融健康有序发展和金融支持"三农",并且具有很强的普适性。通过研究发现,"政银保"模式的关键在于农村金融多元参与主体在差异化利益目标下协商合作,并形成具有动态激励和约束功能的制度安排,打破了单个利益主体下政府强制性制度供给,是三大利益主体博弈的产物;财政杠杆撬动农业保险与信用担保的同步推进,诱导商业性保险机构和合作银行愿意并持续为"三农"服务;同步集结了合作银行、政府担保和农业保险分担农业贷款的风险,在各方利益目标的约束条件下形成了相互认同并可信承诺的风险承担安排。Sanshui district in Foshan city firstly launched ＂Zheng Yin Bao＂ agricultural loan pattern, it has promoted the healthy and orderly development of rural finance and effectively supported ＂three rural＂ development, and it has a strong universality. This article pointed out that the key factor to ＂Zheng Yin Bao＂ pattern was that the multiple participants of rural finance negotiated to form an acceptable action in different aims, creating a dynamic incentive and limited system arrangement. The system innovation has broken the government＇s mandatory system supply under the interests of the individual subject, it becomes the three major stakeholders game products. Financial leverage has moved agricultural insurance and credit guarantee synchronous propulsion, inspiring commercial insurance institutions and cooperative banks to be willing to and continue to serve ＂three agriculture＂; and it has synchronously assembled cooperative banks, government guarantee agricultural loans and agricultural insurance to share the risk of agricultural loan, attaching mutually acceptance and credible commitment under the limit of different interest.

关 键 词：“政银保”模式 制度绩效 制度创新 农村金融 

分 类 号：S-01[农业科学] F323.9[经济管理—产业经济]