农户小额信贷信用风险控制研究——基于新疆玛纳斯县、吐鲁番市、托克逊县的农户调查

Study on Credit Risk Management of Rural Households Micro-credit——Based on The Field Survey about Rural Households in Manas County,Turpan City and Toksun County, Xinjiang Uygur Autonomous Region

本文基于对新疆玛纳斯县、吐鲁番市、托克逊县农村农户的实地调查,从社会学制度变迁角度,运用博弈分析的方法,研究了农户小额信贷信用风险控制问题。指出影响农户小额信贷信用风险的三个关键因素:1.在农村初步构建起制度信任安排约束的信用工程。2.农村信用社对信贷员激励相容的内控机制设计。3.小额信贷额度控制和联保贷款风险控制技术。

Based on the field survey about rural households in Manas county, Turpan city and Toksun county, Xinjiang Uygur Autonomous Region, from the perspective of institutional transition in sociology, the paper study the problem of credit risk management about rural households micro-credit by game theory. Point out three key factors which affect credit risk of rural households micro-credit： 1.The ＂credit project＂ which constructs institutional trust arrangement restriction in rural community primarily. 2.The institutional design of incentive compatibility about the relationship between rural credit cooperative and credit managers. 3.Credit availability control of micro-credit and risk control of group lending.