信贷需求:小额信贷覆盖率的决定因素之一-来自中国北方四县调查的证据

过去对小额信贷项目覆盖率的研究集中在供给方面,本文应用大规模农户调查的数据,从需求方面研究了中国三个小额信贷项目覆盖率低的问题。研究发现,在中国贫困地区试验的孟加拉乡村银行模式的小额信贷项目不能自动地瞄准贫困地区的贫困人口,许多贫困农户将自身排除在小额信贷市场之外。本文的结论是,尽管中国的小额信贷试点项目没有能自动瞄准贫困地区的贫困户,它们仍然对中国的扶贫做出了积极贡献。为了提高小额信贷项目对贫困人群的覆盖率,需要通过减少对贫困人口的其他约束、依照贫困人群的需要定制小额贷款产品等方式来提高贫困农户对小额贷款的需求。

DEMAND FOR CREDIT:A DETERMINING FACTOR FOR LOW COVERAGE OF MICROFINANCE

EXISTING STUDIES OF THE OUTREACH OF MICROFINANCE PROGRAMS HAVE FOCUSED ON THE SUPPLY SIDE.USING A LARGE HOUSEHOLD SURVEY DATASET FROM CHINA,THIS STUDY EXAMINES LOW OUTREACH LEVELS IN THREE MFPS IN CHINA FROM A PERSPECTIVE OF DEMAND.THE STUDY FINDS THAT THE GRAMEEN MODEL HAS FAILED TO TARGET THE POOR AUTOMATICALLY IN POOR AREAS.MANY POOR HOUSEHOLDS RATIONED THEMSELVES OUT OF THE MICRO-CREDIT MARKET.THE STUDY CONCLUDES THAT THE CURRENT MICROFINANCE PROGRAMS IN CHINA,EVEN THEY FAILED TO TARGET THE VERY POOR IN...