管理成本对农户贷款供给影响研究——以重庆为例  

Study on the Influence of Management Cost on Farmer's Loan Supply——A Case Study of Chongqing

作　　者：陈余玮 CHEN Yuwei(School of Economics and Management, Southwest University, Chongqing 400715,China)

机构地区：[1]西南大学经济管理学院,重庆400715

出　　处：《财经理论与实践》2017年第6期35-40,共6页The Theory and Practice of Finance and Economics

基　　金：重庆市决策咨询与管理创新计划重点项目(cstc2015jccxB00043)

摘　　要：以重庆为研究样本,考察管理成本对农户贷款供给影响,结果表明:农户贷款管理成本高,使得金融机构减少贷款供给;贷款对象与金融机构距离远近、账户维护方式、催缴贷款方式及次数、贷款额度、信用调查时间对金融机构贷款对象选择有显著影响。金融机构倾向于选择大企业、信用调查时间短的农户作为贷款对象,排斥贷款数额小且频率高、信用调查时间长的农户。因此,应推行农户贷款精细化管理、引入贷款额度成本控制管理。Based on the case study of Chongqing,this paper analyses the influence of management cost on farmer's loan supply.It shows that:high management cost of farmer's loan weakens loan supply of financial institutions.Distance between borrowers and financial institutions,the method of account maintenance,the method and frequency of reminder,loan scale and loan survey period significantly impact on loan supply.Financial institutions tend to choose large enterprises and farmers with short loan survey period as loan object,while decline farmers with small loan scale and high loan frequency.In view of this,the paper suggests the implementation of refined management of farmer's loan and the introduction of loan amount cost control management among other constructive advice.

关 键 词：管理成本 农户 贷款供给 

分 类 号：F832[经济管理—金融学]