中国小额信贷商业化可持续发展的经济学分析  

An Economics-based Analysis of Commercially Sustainable Development of Microfinance

作　　者：钱水土[1] 乐韵[1] 

机构地区：[1]浙江工商大学金融学院,浙江杭州310018

出　　处：《金融理论与实践》2007年第5期3-6,共4页Financial Theory and Practice

基　　金：国家自然科学基金(70473023);浙江省社会科学基金(06CGLJ03Z);浙江省自然科学基金(Y606707)

摘　　要：小额信贷是指一定区域内,面向融资弱势群体的小额贷款形式。完善的小额信贷制度应该满足服务目标群体和保持商业可持续两个条件。本文从信息经济学、现代契约理论以及资金供求等方面分析商业化可持续小额信贷的效率,并针对我国目前小额信贷可持续发展的困境,认为应该从明确定位目标群体、推进利率市场化、放宽金融机构准入标准、促进模式和组织创新等方面推进商业化可持续小额信贷发展,以服务农村经济发展的需要。Microfinance is oriented to financing the poor who would otherwise be priced out of the financial market in a certain area. Perfect microfinance system should meet two conditions： serving the target groups and keeping commercially sustainable development. This paper analyzes the efficiency of commercially sustainable microfinance from the perspectives of information economics, modern contract theory, and fund demand ＆ supply. To solve the dilemma existing in the current microfinance development, and to meet the needs of rural economic development of China, policy recommendations on the development of commercially sustainable microfinance include clearly defining target groups, furthering interest liberalization, lowering entry level of requirements for financial institutions, and promoting institutional innovations.

关 键 词：小额信贷 商业化可持续 农村金融 

分 类 号：F830.5[经济管理—金融学]