基于组织嵌入型的农村小额信贷减贫模式

文章在借鉴前人研究的基础上,提出一个基于组织嵌入型的农村小额信贷减贫模式,以建立社区性的农民合作组织并嵌入到小额信贷减贫体系中,不仅可以推动小额信贷资金更为精确地＂瞄准＂＂发展型的穷人＂,而且还可以通过向金融机构和贫困农户提供服务,可以降低农村金融机构的信贷风险和贫困农户的经营风险,节约两者进行金融交易的成本,实现金融机构、合作组织和贫困农户三方的帕累托改进。

Alleviation Poverty Mode of Rural Micro-credit Based on Organizational Embedded

On the basis of previous researches,this paper proposes the alleviation poverty mode of rural micro-credit,so as to establish a farmers＇ cooperative organization in the community which embodied in the alleviation poverty mode of rural micro-credit system.It can help the farmers in financing,it can also provide financial institutions and farmers services,so as to reduce the risk in the rural financing and loan,as well as save the cost of financial trade.It can realize the Pareto optimality for financial institutions,organizations and the farmers.