中国农村小额信贷宏观效率现状分析

The Present Situation Analysis on Macro-Efficiency of Rural Microfinance

中国农村小额信贷的宏观效率包括小额信贷运作对农村经济发展的作用效率和政府监管农村小额信贷市场的效率,其影响因素主要包括农村地区货币量与农村经济总量比率、农村地区货币结构比率、政府调控农村小额信贷措施的影响力、政府调控农村小额信贷效果与预期目标的偏离程度等。受农村小额信贷运作对农村经济发展的作用效率较低和政府监管农村小额信贷市场的效率较低的影响,目前中国农村小额信贷的宏观效率较低。

The macro-efficiency of rural microfinance comprehends action efficiency of microtinance on rural economy development and government supervisory efficiency. The influence factors include ratio of rural money supply to rural economy total value, ratio of rural curreney structure, government influence of regulation measure to rural microfinance and the deviation level of government regulation rural mierofinanee effect to anticipated target. Under the influence of relatively low action efficiency of microfinance on rural economy development and government supervisory efficiency, the macro-efficiency of rural microfinance is relatively low.