我国农村小额信贷模式研究——基于成本—收益的数理分析

Research on Rural Microfinance Model in China Based on the Cost-benefit Mathematical Analysis

应用成本—收益分析方法研究了现有信贷模式下农村信贷市场存在的道德风险和逆向选择问题,进一步分析了小额信贷"格莱珉模式"的特点,给出了构建中国农村小额信贷模式的思路:一是建立农户信息系统、进行农户信贷信用评级,二是农户自愿组建小组、实行农户分组信贷,三是调整贷款结构、增加农户贷款收益。

One of the key problem of rural finance in china is discussed about how to fulfill the credit demand of farmers. Applying the cost- benefit analysis method, this paper studied on the moral crisis and adverse choice of the existing credit model in rural credit market of china, analyized one type of the microfinance＂ the grameen model＂ ,and presented the measures on how to construct microfinance model in rural china. Firstly, constructs information system and gives the credit rank for farmers, Secondly, groups for farmers for voluntary and loans for farmers on groups, Thirdly, adjusts the structure of loans and increases income of loans for farmers.