摘要
作为缓解农村资金约束的小额信贷业务,近年来的发展一直不尽如人意,其原因主要在于:开展此项新业务成本较高,不确定性因素较多;现有商业银行激励机制不足;国家政策的制约;对小额信贷的风险认识和成本控制存在误区等。小额信贷业务的风险在不断降低,商业银行在进入成本上具有比较优势,进一步开展业务的机会成本较低。因此,通过明晰产权,建立有效的治理结构和与之配套的激励约束机制,商业银行完全可以实现小额信贷业务的可持续发展。
As dissolving rural fund constraint, the development of small - scale loan business has been unsatisfactory in recent yrears. The main reasons are ： the cost for the business is too high with too many uncertainties; incentive mechanism for the existing commercial banks remains insufficient; national policy＇ s constraints; misunderstandings for the risk and cost of small - scale loans, etc. The risk of small - scale loans is increasingly lowered, commercial banks own comparative advantage in admission cost because of lower opportunity cost for this business. Therefore, by defining equity and establishing efficient governance structure and matching incentive binding mechanism, the commercial banks can realize sustainable development of small - scale loans.
出处
《河南金融管理干部学院学报》
CSSCI
2008年第1期74-79,共6页
Journal of Henan College of Financial Management Cadres
基金
杭州市哲学社会科学规划项目(B07LJ01)
浙江省自然科学基金项目(Y607043)
浙江省社科联项目(07B15)
关键词
小额信贷
商业银行
成本
收益
风险
small - sized loan
commercial bank
cost
benefit
risk
