信息不对称与小额信贷创新

Information Asymmetry and Micro-credit Innovation

面向落后群体或遭受信贷歧视的经济主体开展的"小额信贷"(Microcredit,或称"微贷"),是对信贷市场失灵的一种补充,然而其本身也同样面临着信息不对称问题。从导致金融市场失灵最核心的因素即信息不对称出发,讨论在过去几十年间,小额贷款技术创新在修正这一市场失灵上所取得的进展,并对其中涉及的主流小额贷款技术进行评价,以期对我国的小额信贷产业发展起到借鉴作用。

As a supplementation for ineffective credit market,micro-credit is special for the economic subjects which being behind group or suffering credit discrimination.However,it is also facing the information asymmetry problem.From the perspective of information asymmetry,this article discusses the progress of fixing ineffective market which gets from technique innovation of micro-credit in the past tens of years.Meanwhile,this article also evaluates the main micro-credit technique,in hoping to provide reference function for micro-credit industry development in China.