产业关联与血缘亲情:农户贷款担保的两个主攻方向  

Industry Associations and Blood Affection: Two Main Direction of Farmers Loan Guarantees

作　　者：胡振兵[1] 冯波[2] 丁峰[1] 任明武[1] 

机构地区：[1]中国人民银行沂源县支行,山东沂源256100 [2]中国人民银行淄博市中心支行,山东淄博255000

出　　处：《金融发展研究》2015年第3期62-66,共5页Journal Of Financial Development Research

摘　　要：山东省摒弃过去农户联保随机组合的不稳定要素,引入了有产业利益关联的农业产业化龙头企业生产合作社以及有血缘关系、有稳定收入来源的农户成年子女作为贷款担保人,实施农户贷款增信工程,为缓解农户贷款难、担保难问题做了有益探索。Shandong introduced interests associated agricultural leading enterprises and farmers＇ adult children with a stable source of income as guarantors to slam the door unstable elements caused by coinsurance random combination. It has made a beneficial exploration in increasing household credit, alleviating loan difficulties and solving the guarantee difficult problem.

关 键 词：农村金融 农户贷款 增信 联结 

分 类 号：F830.34[经济管理—金融学]