团体规模、动态激励和社会链接对团体贷款影响的实证分析

Empirical Study on Influence of Group Scale,Dynamic Incentive and Social Ties on Group Lending

本文通过实证分析,考察了团体规模、动态激励、社会链接三个重要因素对团体贷款的影响。结果表明:团体规模对团体贷款效率的影响并不显著,较大的规模更易诱发道德风险,但能降低团体总体风险;动态激励对团体贷款的有效运行具有重要作用;社会链接对团体贷款效率具有重要影响,强的社会链接可以诱致更高但不够稳定的还款意愿。

This paper studies empirically the influences of group scale,dynamic incentive and social ties on group lending. The result shows that：the effect of group scale on group lending is not obvious, and larger group scale may cause more moral hazards but may reduce total risk of group^dynamic incentive is very important for the efficiency of group lending;social ties plays an important role in group lending,and a stronger social tie may lead to a higher but not steady enough repayment willing.