小额贷款的激进创新:理论分析与临汾市农村信用社个案

On Radical Innovation of Micro Finance: Theoretical Analysis and the Case Study of Rural Credit Cooperative in Linfen

本文通过对山西临汾农村信用社小额信贷制度创新的实证研究,论证小额信贷的制度经济学意义。文章认为,小额信贷是信用社经营制度的根本性的激进变革,在促进地区经济增长、满足弱势集团融资需求和确保政府、农户、信用社三方利益方面都具备显著绩效,属于帕累托改进。

This paper studies the case of micro finance offered by rural credit cooperatives (RCCs) Linfen City, Shanxi province, to show the institutional economic significance. It is proved that micro finance is a radical innovation in RCCs' operation system, satisfying the finance demand for economic growth and households' agricultural production, with the profit increase of RCC, which is a Pareto improvement.