人情社会下农户不良贷款的内生性分析——基于122户不良贷款的统计分析  

Endogenous Analysis of Farmer's Non-performing Loans in Human Feelings Society:Statistic Analysis Based on 122 Households of Non-performing Loans

作　　者：赵翠霞[1] 李岩[2] 兰庆高[1] 

机构地区：[1]沈阳农业大学经济管理学院,沈阳110866 [2]山东社会科学院农村发展研究所,济南250002

出　　处：《农业经济问题》2015年第5期78-83,111,共6页Issues in Agricultural Economy

摘　　要：本文以人情为视角,以122户不良贷款的统计分析为依据,研究发现人情贷款是农户不良贷款的主因。深入分析人情贷款现象发现,政企关系的人情化、管理方式的人情化、贷款决策的人情化、"人情贷款"的极端化及不良贷款责任追究的人情化是农户不良贷款产生的根本原因。人情管理应向科学管理转变,人情贷款应向合规贷款转变,优化农村信用环境,优化农户贷款流程,把人情贷款框定在合理、合规的范围内,从而实现对不良贷款的有效防范。Chinese society is a typical human feelings society。In this study,based on statistic analyze of 122 households non-performing loans.The result revealed that human feelings loan is the main cause of farmers' non-performing loans.The in-depth analysis of human feelings loans,we find;The root causes are human feelings relationship between government and enterprises,human feelings of management style,human feelings of loan decision,extreme of human feelings loans and accountability for non-performing loans personal.We proposed that we should change human management to scientific management,change personal loans to compliance loan,optimize the rural credit environment,and optimize farmer's loan process,so we can let personal loans framed in reasonable range to prevent non-performing loans.

关 键 词：农村信贷 人情社会 不良贷款 人情贷款 规范化 

分 类 号：F832.4[经济管理—金融学]