发展关系型农户小额信贷的经济学分析

Economics Analysis of Developing Relation-based Peasant Household Microfinance

引入关系型贷款,可以为解决农户获取小额信贷难问题提供一个新的思路。建议构建基于关系型贷款的农户小额信贷运行机制;以农户为中心设计信贷产品实现跨期平滑;推行小组联保降低农户小额信贷风险;加快利率市场化改革增强贷款利率调节功能。

The introduction of relationship lending can provide a new way of thinking for solving the financing problem of peasant house- hold. To develop the relationship lending raicrofinance, the following measures were proposed： to construct peasant household mierofi- nance mechanism based on relationship lending; to design credit products with peasant household as center to realize intertemporal smoot- hing; to push group lending to decrease the microfinance risk; to accelerate interest rate marketization reform and strengthen regulating function of lending rate.