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shang luo shi nong hu xiao e xin yong dai kuan de zheng ce xiao ying yu fan si
Author(s): 
Pages: 47-48
Year: Issue:  5
Journal: Xi'an Finance

Keyword:  小额农贷 政策效应 实证分析;
Abstract: 本文通过对商洛市农户小额信用贷款的实证研究,认为:农户小额信用贷款是顺应经济发展规律的制度创新,而不是国家维护安定团结的政策性措施;农户小额信用贷款是促进农村地区经济增长和实现农村信用社扭亏增盈的有效途径,而不是扶贫式的无效投资;当前制约农户小额信用贷款拓展的主要因素是制度本身存在的缺陷和农村信用社曲解政策意图、风险防范行为扭曲,而不是资金匮乏。并提出了相应的政策建议。
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