论团体贷款对信贷市场低效率的可能改进

团体贷款以其骄人的还款率和在扶贫方面的突出表现吸引了众多经济学家和政策制定者的目光。但是 ,现有研究更多的是从不同角度来解释并不需要抵押或担保的团体贷款的还款率为何如此高 ,而忽视了团体贷款与个人贷款的效率的比较。对于“团体贷款的效率是否比个人贷款的效率更高 ?”和“团体贷款对信贷市场中的低效率问题有无改进以及是如何改进的 ?”等重要问题的回答构成了该研究领域中的核心内容。

A Possible Improvement of the Efficiency of Credit Market under Group Lending

The high repayment rate and its effects on poverty reduction of group lending have drawn the attention of many economists and policy makers. The present studies have paid attention to explain why its repayment rate is so high, yet have not compared the efficiency of group lending with other forms of credit. Answering many questions such as “whether group lending is more efficient than individual credit?” is an important topic in the field of group lending and also the main topic in this paper.