| 论吉林村镇银行可持续发展问题 |
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| 引用本文： | 孙少岩. 论吉林村镇银行可持续发展问题[J]. 东北亚论坛, 2008, 17(6) |
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| 作者姓名： | 孙少岩 |
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| 作者单位： | 吉林大学,中国国有经济研究中心，吉林,长春,130012 |
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| 基金项目： | 2008年中国人民银行长春中心支行重点招标课题"日元升值的得失对我国的启示"，获吉林大学985工程"东北亚研究与东北振兴创新基地"的资助 |
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| 摘 要： | 制约当前村镇银行可持续发展的最大障碍是慈善思维方式——农民因为贫穷需要廉价资金。村镇银行发放小额农户贷款被认为是扶贫的手段。村镇银行采取商业化方式,实施高利率小额农户信贷与支持、帮助农村中的贫困群体并不矛盾。完善小额农户贷款还需要信贷员激励机制。村镇银行需要政府扶助,但又要避免地方政府的过度干预,避免政府信用担保的道德风险,这样才能实现可持续发展。
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| 关 键 词： | 农村金融机构 村镇银行 可持续发展 小额贷款 商业化 扶贫 金融风险 |
Research on the Sustainable Development of Rural Bank in Jilin Province |
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| SUN Shao-yan. Research on the Sustainable Development of Rural Bank in Jilin Province[J]. Northeast Asia Forum, 2008, 17(6) |
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| Authors: | SUN Shao-yan |
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| Affiliation: | SUN Shao-yan (Center for China Public Sector Economy Research in Jilin University,Changchun 130012) |
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| Abstract: | A major obstacle to restrict the development of Rural Bank is charitable thought——farmers need cheap money since poverty.It is widely accepted that Rural Bank should release petty credit loans for farmers as a way of helping the poor.Contrary to this estimation,we have found that Rural Bank which carry out petty credit loans with high interest rate can support and help a disadvantaged minority in the county effectively.Perfecting the function of petty credit loans needs loan operator motivation mechanism.Rural Bank needs government support,but not over-intervention from local government and moral hazard from government guarantee.Thus Rural Bank can have a healthy sustainable development. |
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| Keywords: | Rural financial institution Rural Bank Sustainable Development Petty credit Commercialization Poverty alleviation Financial risk |
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