政策性共同治理契约与农村金融抑制缓解——基于陕西商洛“订单+金融”农村金融创新案例的分析  

Common Policy Governance Contract and Rural Financial Repression Easing——An Analysis Based on the Rural Financial Innovation Case of “Order + Finance” in Shangluo of Shaanxi

作　　者：陈斌凯[1] 沈洪[1] 魏升贵 

机构地区：[1]中国人民银行商洛市中心支行,陕西商洛726000

出　　处：《西部金融》2015年第12期89-92,共4页West China Finance

摘　　要：本文借用具体事例,以欠发达地区基层农村金融创新实例为样本,客观分析了农金抑制程度、成因等,旨在证明运用共同治理契约这一辩证良方破解农村金融抑制。提出了"借贷双难"可以借助政策性共同契约治理来缓解;担保型"借贷双难"的农金抑制特征与制度设计有关;政策性共同治理契约不同于政府干预等政策建议。Using the specific example, taking the rural financial innovation instance in less developed areas at the grassroots level as the sample, the paper objectively analyses the degree and cause of rural financial repression aiming to prove that the use of common governance contract can solve the rural financial repression. The paper thinks that the difficulties in borrowing and lending can be eased by using common policy governance contract, the characteristics of the rural financial repression of the difficulties in borrowing and lending due to lack of the guarantee are associated with the system design, and then puts forward that the common policy gover- nance contract.is different from the government intervention

关 键 词：共同治理契约 农村金融抑制 “订单+金融” 案例研究 

分 类 号：F830.31[经济管理—金融学]