防范农民道德风险的小额信贷机制研究——基于开发性金融理论的视角

The Research on the Micro-credit Mechanism of Precaution against Farmers’ Oral Risk:Based on the Theory of the Development of Financial

本文在分析河北省易县的小额信贷扶贫社运作案例的基础上,针对小额信贷模式在中国运行中存在的农民道德风险问题,提出一种新型的小额信贷模式——基于开发性金融理论指导下的小额信贷运作;运用动态博弈模型分析发现这种模式可以有效克服小额信贷实践中的农民道德风险问题;结合国家大力发展小额信贷的相关政策,提出了完善小额信贷模式在我国实践的若干建议。

This paper focusing on the issue of farmers’ breach of contract in the based on the theory of development finance provides a new micro-credit pattern which is based on the theory of the development of financial.Dynamic game model analysis showed that under the guidance of the theory of the development of financial we can solve the problem of Farmers’ Moral Risk.At last,we make recommendations for micro-credit in China with government policies.