农村小额信贷供求的博弈分析与现实思考

Game Analysis on the Supply and Demand of Rural Micro-credit in China

用博弈论的方法分析小额信贷的资金供给和资金配置问题,可从理论上证明小额信贷的供求失衡;而从资金来源、利率、风险管理几个方面考察也发现小额信贷的供求失衡状况。要充分发挥小额信贷为低收入阶层服务的功能,则应当完善小额信贷运作载体、利率设计、风险控制以及适度监管制度。

Micro-credit is an effective measure to alleviate poverty and accelerate the development of the economy.The paper introduces game theory of financial resources to analyze the supply-demand situation of rural micro-credit in China.It then points out the problems existing in the operation and development of rural micro-credit.Finally the paper puts forwards some suggestions.