不同农地抵押贷款机制下农户信贷配给分析  

Analysis on the Credit Rationing of Farmers’ Farmland Mortgage Loan

作　　者：顾庆康 林乐芬 GU Qingkang;LIN Lefen

机构地区：[1]南京财经大学金融学院,南京210023 [2]南京农业大学金融学院,南京210095

出　　处：《农业经济问题》2021年第7期67-77,共11页Issues in Agricultural Economy

基　　金：国家社科基金项目“农地经营权抵押贷款金融创新机制与绩效研究”(编号:15BJL031);江苏省社会科学基金重点项目“农地经营权抵押贷款实验效果与优化研究”(编号:14EYA001);清华大学中国农村研究院博士论文奖学金项目“农地经营权抵押贷款市场融资约束问题研究”(编号:201710)。

摘　　要：探析不同农地抵押贷款机制设置下异质性农户面临的信贷配给情况,对推进农村金融服务乡村振兴战略具有重要意义。研究发现,在农地抵押贷款目标机制下,存在较多农户面临着新的交易成本配给、风险配给以及数量配给,实践中农地抵押贷款设置了不同的增信机制,分为内部增信与外部增信两类,其中外部增信又分为信息甄别机制与风险分担机制。不同增信机制对缓解农户信贷配给有一定的效果,但仍然存在相应的局限性,农户普遍面临不同程度的供需型信贷配给。在推进以农地为代表等"估值难、处置难"的标的物抵押贷款可从,下沉信贷服务覆盖范围优化农村贷款流程,稳步推进政府引导下的预授信模式;增强标的物价值稳定性,完善农村农户信息体系建设,构建多元风险分担机制等多方面着手。It is of great significance to analyze the credit rationing situation faced by heterogeneous farmers under different farmland mortgage loan mechanisms.It is found that some farmers are faced with new transaction cost allocation,risk allocation and quantity allocation.In order to alleviate the above credit rationing,different credit enhancement mechanisms have been set up in practice,which can be divided into internal credit enhancement and external credit enhancement.The external credit enhancement includes information screening mechanism and risk sharing mechanism.Different credit enhancement mechanisms have certain effects on alleviating farmers’credit rationing,but there are still corresponding limitations.In order to promote the subject matter mortgage loan which is difficult to evaluate and dispose,it is suggested in this paper to optimize the rural loan process,enhance the value stability of the subject matter,improve the construction of rural farmers’information system,and build a multiple risk sharing mechanism.

关 键 词：农地抵押贷款 异质性农户 信贷配给 增信机制 

分 类 号：F832.43[经济管理—金融学]