摘要
农户缺乏有效的抵押品是制约农户获取贷款的因素之一,联保贷款制度的实施在一定程度上解决了这个问题。本文在抽样调查的基础上利用因子分析方法,研究了农户在选择联保贷款小组时考虑的主要因素,分析农户在联保贷款中的信任选择趋向,为完善农户联保贷款制度和农村金融产品创新提供参考。
The lack of effective collateral prevents peasants from obtaining loans. To some extent, joint guarantee loan solves this problem. This paper studies the main factors peasants taking into account in joint guarantee loan. Furthermore, we analyze the reliance tendency in joint guarantee loan in order to improve the joint guarantee loan system and provide reference for rural financial products innovation.
出处
《金融发展研究》
2010年第4期56-59,共4页
Journal Of Financial Development Research
基金
山东省社会科学规划研究项目(07DJGZ01)的阶段性成果
山东省三农问题软科学研究基地资助
关键词
联保贷款
信任选择
因子分析
joint guarantee loan, reliance choice, factor analysis
