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国外对于农村消费信贷问题鲜有法学学科的研究,较多的研究是从经济学、管理学和社会学学科进行的,尤其是经济学学者对农村消费信贷进行着持续的、全面的、系统的研究,文献非常丰富,成果非常丰硕,理论体系较为成熟。从现有文献来看,他们的研究成果中有不少农村消费信贷法律促进机制的内容,这些内容主要体现为健全农村消费信贷双方,即信贷机构与信贷客户的激励与约束法律机制上。这些分散的有关激励与约束法律机制的研究不乏真知灼见,对于我国从法学学科的相关研究及制度健全具有启发意义。
There are few foreign jurisprudence researches on rural consumer credit. Most researches are conducted in economics, management science and sociology. Especially, economists carry on a continuous, comprehensive and systematic study of rural consumer credit Research, the literature is very rich, the results are very rich, the theoretical system is more mature. According to the existing literature, there are many rural consumer credit legal promotion mechanisms in their research results, which are embodied in the legal mechanism of encouraging and restraining both rural consumer credit institutions, credit institutions and credit customers. These scattered research on the legal mechanism of incentive and restraint are not without insights, which are of enlightening significance for our country from the relevant research and legal system of law.