摘要
商业性小额信贷作为过渡型的金融运作模式,体现了一种新型的金融制度安排,小额信贷是对农村金融服务体系的重要补充,有利于民间资本的规范化与阳光化。本文立足于弱势市场信贷机制的基础上,分析了小额信贷市场的分离均衡现象,并通过建立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,分析了小额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。在建立模型分析的基础上,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。
As a supplement to the rural financial service system,commercial small-sum credit is a new kind of financial system arrangement,and is good for the normalization of private capitals.This paper analyzes the separate equilibrium in microfinance market on the basis of the mechanism of weak credit market,and then creates an equilibrium decision model about credit demanders,a path model of supply institutions and an expected profit function from banks loans to analyze the issue of sustainability of small-sum credit development.By analyzing the relevant parameters,the paper demonstrates the optimal path of the institutions.In light of the characteristics of self-development of the micro-finance institutions,it gives some advice about risk prevention,leading effect and policy incentives.
出处
《广东外语外贸大学学报》
2010年第3期72-75,112,共5页
Journal of Guangdong University of Foreign Studies
关键词
小额信贷
分离均衡
供给路径
弱势市场
commercial small-sum credit separate equilibrium supply-path weak credit market
