阳光银行小额信贷模式:基于外部性理论的分析

A Case Study of Microfinance of Bancosol Model: Based on Externality Theory

本文以阳光银行为例,从经济学角度探讨了小额信贷外部性影响的解决途径。阳光银行对发展中国家小额信贷发展具有极强的示范效应:小额信贷机构只要设计有效降低贷款成本和控制小额信贷风险的机制,诱导更多借款人进入小额信贷市场,最终就可以实现小额信贷市场私人成本与社会成本的一致,提供社会理想状态下的小额信贷供给。

Based on the Bancosol of Bolivia, the paper analyses the solutions to externality of microfinance. The Bancosol is a good example for the developing countries to learn how to further microfinance. If an effective credit mechanism which could make credit cost fall, control credit risk and push more people to enter the microfiance market could be designed, at last, the private cost would coincide with the social-cost and the suppliers would provide a socially desirable quantity of microfinance.