摘要
目前我国农村信用社商业型农户小额信贷运作有三种主要模式:一次核定、信用证书、逐笔审核,但都解决不了小额信贷高风险的问题。农信社小额信贷调查显示,农户小额信贷存在供求结构及额度矛盾、供求周期及季节矛盾、成本与收益不对称等基本问题,加上特质性风险、农户信用意识不高等,带来了较高的信贷风险。广东省肇庆市高要农村信用合作社联合社通过推行农户小额信贷保险,解决农户的突发性意外风险问题,对完善农户小额信贷运作方式提供了有益启示。
At present, there are three major models of RCCs' micro-credit in China. However, none of them can solve the problems brought by the big risks from microcredit. Gaoyao RCC in Zhaoqing City, Guangdong Province provided insurance for micro-credit, in order to solve the problem of occasional risk, thus also provided good experiences for conducting such business.
出处
《银行家》
北大核心
2006年第10期121-123,共3页
The Chinese Banker
