论产出分布对团体贷款还款率的影响被引量：16

The Influence of Output-Distribution among Members on the Repayment Rate of Group-Lending

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摘要关于团体贷款的现有研究对于还款率在时间上和空间上的差异还不能够给出有说服力的解释。通过构造一个产出信息不对称下的五人还款博弈模型 ,我们从产出在成员之间的分布的角度解释这种差异。我们的模型表明了产出在成员间的分布状况可以成为导致这种差异的重要力量。 At different time and different places, the repayment rates of group-lending are so different, yet current theories haven't given us a convincible explanation. We hold that the output-distribution among group members is an important factor that causes these differences. Our idea has been verified in a repayment game between five borrowers. On the condition of his capability of repayment, the successful borrower's choice depends on whether the credit market is perfect and his evaluations on the future access to credit and the social sanctions. What's more, this paper has thrown a new light on the factors that have influence on the repayment rate.

作者章元李全

机构地区复旦大学经济学院南开大学经济研究所

出处《经济研究》 CSSCI 北大核心 2003年第2期43-54,共12页 Economic Research Journal

关键词产出分布团体贷款还款率中国信贷风险 Group Lending Output Distribution Repayment Rate

分类号 F830.5 [经济管理—金融学]

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参考文献17

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