面向农户与农村中小企业的微型信贷机制研究——兼论广东小额贷款的存续机制  

On the Mechanism of Micro-credit Catering to the Farmer and the Rural Minor Enterprises——simultaneously study on the continuation mechanism of the micro-credit in Guangdong

作　　者：肖奎喜[1] 邹亚宝[1] 徐世长[1] 

机构地区：[1]广东外语外贸大学国际经济贸易学院,广东广州510006

出　　处：《华南农业大学学报（社会科学版）》2010年第3期33-40,共8页Journal of South China Agricultural University(Social Science Edition)

基　　金：国家自然科学基金项目(40571049);国家社会科学基金项目(10BJL026);广东省社科规划项目(07GE08);广东外语外贸大学211工程项目(200906)

摘　　要：立足于弱势市场信贷机制的基础上,分析了基于农户与农村中小企业的微型信贷市场分离均衡现象,并建立了贷款需求者的均衡选择模型、信贷机构贷款供给路径模型和银行预期利润函数,研究了微型信贷发展的可持续性问题;通过相关参数的特征分析,论证了信贷机构期望收益的最优路径。在模型分析的基础上,研究了广东小额信贷市场的存续机制;并针对小额贷款公司自身发展的特征,从风险防范、示范效应与政策激励方面提出了相关建议。Being a new kind of financial system arrangement as a supplement to rural financial service system, microcredit is suitable for the normalization of private capitals. This paper analyzes the separate equilibrium in microfinance market on the basis of weak mechanism of credit market, and creates an equi- librium decision model about credit demanders ; the path model of the supply institutions and the expected profit function from banks loans. We analysis of the issue of sustainability of micro-credit development. Through the feature analysis of relevant parameters, we demonstrates the optimal path of the institutions. Based on the analysis of the model, we study the survival mechanisms of the micro-credit market in Guangdong. For the characteristics of self-development of the micro-credit companies, we put forward the relevant recommendations from risk prevention and the leading effect and policy incentives.

关 键 词：微型信贷 分离均衡 个体农户 弱势信贷市场 

分 类 号：F830.6[经济管理—金融学]