市场竞争结构与小额信贷功能的实现

The Structure of Market Competition and the Realization of Micro-credit's Function

随着市场竞争程度增加,小额贷款企业贷款平均利率、贷款规模、贷款利息收入均呈现先上升后下降的倒U型关系,当竞争达到一定程度后,单个企业的信贷功能逐步退化。如果处于过度竞争状态,那么小额贷款企业普惠性功能也会下降。适当控制小额贷款企业数量,保持合理竞争,有利于小额贷款企业各项功能的发挥和自身可持续发展。

It comes to the conclusion that the relationship between the competition in micro-credit companies and their average loan rate, loan scale and loan interest income is an inverse U-curve. When the competition reaches a certain degree, the loan function of individual company will decrease.When it comes to excessive competition, the inclusive function of micro-credit companies will also decrease. Therefore, it is better to control the quantity of micro-credit companies to maintain reasonable competition. Only in this way, micro-credit companies can function well and realize their sustainable development.