| 王 静,王蕊娟,霍学喜.论农民专业合作组织对农户融资的信用担保----------以洛川果农为例[J].西北农林科技大学学报(社会科学版),2010,(6):1~6 |
| 论农民专业合作组织对农户融资的信用担保----------以洛川果农为例 |
| Study on Financial Guarantee Mechanism for Peasants in Peasant Professional Cooperative Organization |
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| DOI： |
| 中文关键词: 农户 农民专业合作组织 信用担保，融资 |
| 英文关键词:peasant peasant professional cooperative organization credit guarantee financing |
| 基金项目: |
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| 摘要点击次数: 6445 |
| 全文下载次数: 2003 |
| 中文摘要: |
| 通过对洛川果农资金借贷困境的成困分析，得出信用缺失是其主要原因。为切实解决农民贷款难问题，我们将农民专业合作组织作为保证人引入到融资担保机制中，使之参与金融机构与农户之间的金融交易，试图通过这种组织模式本身所具有的优势来降低信用风险，缓解农户的融资压力。 |
| 英文摘要: |
| This paper analyses the financial situation and problems of the peasants in Luochuan County of Shaanxi Province, and proves that lack of mortgage and credit guarantee has been main obstacles in the development of rural financial system. In order to resolve the problem and keep away from credit risks, peasant professional cooperative organization should be integrated as a guarantor into the financing guarantee mechanism and participate in the trades between financial institutions and peasants, thus to relieve the financing pressure and reduce risks of peasants through the advantages of this mode. |
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