财经论丛
財經論叢
재경론총
Collected Essays On Finance and Economics
2012年
5期
41~47
,共null页
信用评级 信息甄别机制 农户正规融资 信贷配给
信用評級 信息甄彆機製 農戶正規融資 信貸配給
신용평급 신식견별궤제 농호정규융자 신대배급
credit rating; information screening; peasants formal finance; credit rationing
农户信用评级自2008年以来在浙江全省范围内普遍展开。通过对温州的考察，我们发现：金融机构在信用评级中存在有意压低农户信用得分及信用等级的倾向。实际贷款中，确实也有大量农户信用贷款处于“吃不饱”状态。信用评级作为一种信息甄别机制不能消除信贷配给。尽管如此，信用评级为更多农户进入正规金融打开了一个通道．从而大大缓解了农村信贷约束。金融机构应积极推广信用评级这种软性“金融基础设施”建设，同时也需开发不同信贷产品作为补充，引导农户融资更多地从民间借贷转向正规金融。
農戶信用評級自2008年以來在浙江全省範圍內普遍展開。通過對溫州的攷察，我們髮現：金融機構在信用評級中存在有意壓低農戶信用得分及信用等級的傾嚮。實際貸款中，確實也有大量農戶信用貸款處于“喫不飽”狀態。信用評級作為一種信息甄彆機製不能消除信貸配給。儘管如此，信用評級為更多農戶進入正規金融打開瞭一箇通道．從而大大緩解瞭農村信貸約束。金融機構應積極推廣信用評級這種軟性“金融基礎設施”建設，同時也需開髮不同信貸產品作為補充，引導農戶融資更多地從民間藉貸轉嚮正規金融。
농호신용평급자2008년이래재절강전성범위내보편전개。통과대온주적고찰，아문발현：금융궤구재신용평급중존재유의압저농호신용득분급신용등급적경향。실제대관중，학실야유대량농호신용대관처우“흘불포”상태。신용평급작위일충신식견별궤제불능소제신대배급。진관여차，신용평급위경다농호진입정규금융타개료일개통도．종이대대완해료농촌신대약속。금융궤구응적겁추엄신용평급저충연성“금융기출설시”건설，동시야수개발불동신대산품작위보충，인도농호융자경다지종민간차대전향정규금융。
By researching in Rural Credit Cooperatives of Dongtou county, we discovered that credit cooperatives depressed the score even rating of peasants intentionally for the sake of risk prevention and credit extension during credit rating. In the personal fi- nance, there are lots of peasants whose capital demand is beyond his credit rating. Nevertheless, as a financial infrastructure, credit rating is a key step for peasants＇ loan from informal finance to formal finance. Financial intermediations should develop more financial channels to complement the peasants＇ microfinance.
