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nong hu de jing ji te xing ji xiang ying de xin dai fu wu
Author(s): 
Pages: 55-56
Year: Issue:  2
Journal: Xi'an Finance

Keyword:  农户 民间借贷 农村信用社 银行业金融机构;
Abstract: 2003-2007年,甘肃某国定贫困县农户的融资量从大到小依次为民间借贷、转移性收支和农村信用社存贷款。鉴于银行业金融机构"锦上添花"的特性,农村信用社应继续坚持以农户为主要服务对象,贷款方式应以信用贷款为主;贷户评级应充分考虑农户的特性,简化手续;贷款决策程序、利率优惠条件要尽可能公开透明。监管部门应针对农村信用社等银行业金融机构的特点设置考核指标,并促使其贷款决策信息公开。
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