摘要: |
如何充分挖掘农村信贷市场中农户的局部信用信息,实现农户的地缘、亲缘信用向契约信用转变,是实现农村金融普惠的关键之一。近年来,随着乡村治理的快速发展,为基于现有金融机构产品创新提供数字信贷提供了一个治理路径。本文着重分析了浙江省桐乡市在“一约两会三团”的三治融合治理体系下的创新探索“三治信农贷”。研究发现,由于村组织治理体系的加入,银行信贷供给的事前成本与事后成本被大幅减缓。同时,由于数字信贷供给,农户的时间成本、非价格机制成本以及面子成本被降低,潜在信贷需求得以激活。此外,出于预期成本与预期收益考虑,村组织治理体系具有较强的成本分担动机。村组织治理体系的加入与现代信息技术的运用,使得“三治信农贷”较好地联结了农户个人信用与商业金融契约信用,推进了农村普惠金融广泛覆盖。 |
关键词: 农村普惠金融 数字信贷 乡村治理 农户信用 交易成本 |
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基金项目:中国社科基金青年项目(编号19CFX015);中国博士后科学(编号2019M660688)。 |
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How Can Rural Governance and Information Technology Promote the Development of Farmers" Financial Contract Credit? |
顾庆康
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China Institute for Rural Studies, Tsinghua University
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Abstract: |
How to excavate the local credit information of farmers and realize the transformation from geographical and kinship credit to contractual credit is one of the keys to realize rural financial inclusion. In recent years, with the rapid development of rural governance, it provides a new path to provide digital credit based on the product innovation of financial institutions. This paper focuses on the analysis of "sanzhixinnongdai Tongxiang City. It is found that the pre cost and post cost of bank credit supply has been greatly reduced due to the participation of village organizations. In addition, due to the supply of digital credit, the cost of farmers" loans has been greatly reduced, and the potential credit demand has been activated. In consideration of the balance between expected revenue and expected cost, the village organization governance system has a strong incentive to share the transaction cost. The introduction of village organization governance system and the application of modern information technology have better connected the personal credit and financial contract credit of farmers, and promoted the extensive coverage of rural Inclusive Finance. |
Key words: Rural Inclusive Finance Information Technology Rural Governance Credit Loan |