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ベトナム農村金融における集落の役割
https://doi.org/10.34444/00000103
https://doi.org/10.34444/000001036d646fbe-f495-40f8-bb56-ebfc18ecf98f
名前 / ファイル | ライセンス | アクション |
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040325_sk06_02.pdf (4.5 MB)
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Copyright © 農林水産省 農林水産政策研究所
Policy Research Institute, Ministry of Agriculture, Forestry and Fisheries, Japan |
Item type | 学術雑誌論文 / Journal Article(1) | |||||
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公開日 | 2020-03-23 | |||||
タイトル | ||||||
言語 | ja | |||||
タイトル | ベトナム農村金融における集落の役割 | |||||
タイトル | ||||||
言語 | en | |||||
タイトル | Rural Finance and Hamlets in Vietnam | |||||
言語 | ||||||
言語 | jpn | |||||
資源タイプ | ||||||
資源タイプ識別子 | http://purl.org/coar/resource_type/c_6501 | |||||
資源タイプ | journal article | |||||
ID登録 | ||||||
ID登録 | 10.34444/00000103 | |||||
ID登録タイプ | JaLC | |||||
著者 |
岡江, 恭史
× 岡江, 恭史 |
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抄録 | ||||||
内容記述タイプ | Abstract | |||||
内容記述 | 1960年代以降,アジア各国で設立・再編された農業金融制度は,低い資金回収率・高い取引費用等の問題を残した。これに対してベトナムにおいては,ドイモイ政策の一環として設立された農業銀行や貧民銀行といった金融機関の農民への貸付に際して,農民会等の大衆組織が仲介し,またこれらの組織のもとで共同債務グループが結成され,高い資金回収率と取引費用の削減をもたらした。しかし,これらの組織やグループの実態はこれまで明らかにされていない。本稿では,これらの組織やグループの実態を村落構造との関係に着目して明らかにし,良好なパフォーマンスを可能にした背景として集落の重要性を指摘する。 筆者がベトナム紅河デルタ農村にて調査を行った結果,以下のことが判明した。 銀行貸付を仲介する農民会は予算・人員の面で不充分でその活動も活発とはいえず,グループの共同債務も事実上機能していない。にもかかわらず銀行貸付が債務不履行も出さず良好なパフォーマンスを示しているのは,実質的に集落が貸付仲介を行っているからである。集落は村落内のあらゆる社会組織の基本単位であって,村民にとって最も身近な共同体である。それゆえ,財政的基盤がなくてもモニタリングを行うことは容易である。 調査村においては,村落共同体の助けを借りつつ近代的な金融制度が農村部に着実に浸透しているといえる。 |
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言語 | ja | |||||
抄録 | ||||||
内容記述タイプ | Abstract | |||||
内容記述 | Under the Doi Moi policy, financial institutions were created to help individual farmers adjust to the market economy and have enjoyed good performance through a group lending scheme in collaboration with mass organizations. However, there have been no studies that tried to provide detailed information on the functions of those groups and organizations. This study investigates the functions of credit groups and organizations that intermediate bank loans and indicates the importance of hamlets for rural finance in Vietnam. The author conducted surveys at one village in Red River Delta (the northern rural area which includes the capital, Hanoi). The financing services of Vietnam Bank for the Poor (VBP) are given mainly through the Farmers' Association (FA) under the guidance of the Communist Parly of Vietnam. The staff and budget of the FA are insufficient and do not work at all except for the intermediation of bank loans at the hamlet level. Officially, people borrowing from the VBP should form a joint liability group, called a Saving and Credit Group (SCG). However, almost all households who receive VBP loans do not know that the real function of a SCG is joint liability for defaulting members. They also do not save money. Recently, Agribank's loans were brought through a group lending scheme, and in this case also, joint liability does not function. Groups in bank loans are merely nominal and never have a joint-liability function. Besides, the FA does not function actively. Nevertheless, there have never been defaults on the loans because intermediation and monitoring are actually made by the hamlet. The hamlet is a basic and minimum unit of all social organizations. The daily life of one villager is always seen by others in the hamlet, so the transaction cost of monitoring the bank loans is assumed to be zero where the hamlet intermediates the loans. In this village, the modern financial system is penetrating into the rural area step by step, depending on the hamlet. |
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言語 | en | |||||
書誌情報 |
ja : 農林水産政策研究 en : Journal of Agricultural Policy Research 号 6, p. 23-49, 発行日 2004-03-25 |
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出版者 | ||||||
言語 | ja | |||||
出版者 | 農林水産省 農林水産政策研究所 | |||||
ISSN | ||||||
収録物識別子タイプ | ISSN | |||||
収録物識別子 | 1346-700X | |||||
書誌レコードID | ||||||
収録物識別子タイプ | NCID | |||||
収録物識別子 | AA11614280 | |||||
著者版フラグ | ||||||
出版タイプ | VoR | |||||
出版タイプResource | http://purl.org/coar/version/c_970fb48d4fbd8a85 |