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雅安灾区住房重建工作事关当地民生发展大局,而农房重建则是重中之重。鉴于农房重建工作的大额资金需求,除个人筹集、财政拨款、社会捐赠之外,金融扶持举措,特别是农房重建贷款发挥了重要的作用。但在重建资金陆续到位、农房重建工作持续推进的同时,随之而来的农房重建贷款风险防范问题也引起了多方关注。本文从制度经济学和博弈论分析框架入手,就农房重建资金筹集、使用过程中政府和市场的功能定位、农户借贷行为的道德风险及其应对等问题进行梳理,在总结发达国家灾后重建资金筹集方式及经验的基础上,介绍雅安农房重建贷款工作的具体实践及成效,剖析存在的问题,并提出政策建议。
The reconstruction work in Ya’an-hit areas is related to the overall development of local people’s livelihood, while the reconstruction of farmhouses is the top priority. In view of the large capital needs for the reconstruction of farmhouses, in addition to individual solicitation, financial allocations, and social donations, financial support measures, especially for the reconstruction of farmhouses, have played an important role. However, with the re-establishment of funds in place and the continuous reconstruction of farmhouses, the ensuing prevention of the risk of rebuilding loans for farmhouses has also attracted much attention. This article starts with the institutional economics and the game theory analysis frame, combs the government and market function orientation, the moral hazard of peasants’ loan behavior and their coping problems during the reconstruction of farmhouse reconstruction funds. After summarizing the reconstruction funds of developed countries On the basis of the collection methods and experiences, this paper introduces the concrete practice and achievements of Ya’an farmhouse reconstruction loans, analyzes the existing problems and puts forward policy suggestions.