互惠性金融创新：我国农村小额信贷可持续发展研究

Financial Innovation Based on Reciprocity:the Sustainable Development of Rural Microfinance in China

运用博弈论、行为经济学对我国农村小额信贷的可持续发展进行分析,从中可以发现小额信贷的可持续发展不仅是基于农户的"理性人"假设,机构与农户之间的"互惠性"也是重要因素之一。其发展的关键在外部环境(宏观、中观、微观层面)的影响而并非农户本身。

Game theory and behavior economics are both applied to the analysis on the sustainable development of rural microfinance in China. It is found that microfinance is not only the foundation of the ＂Rational Player＂ hypotheses in games theory, but also an important factor of mutual beneficiation between institutions and farmers. The key to micro credit rests on the exterior environment （macro, middle ＆ micro） , instead of farmers themselves.