利率并非影响农村小额信贷可持续发展的关键因素——基于供求方双赢视角

本文采用博弈方法,基于农村小额信贷供求双方经济利益的视角,在农户自愿还贷的框架下,讨论银行自愿贷款所需条件,以寻求影响农村小额信贷可持续发展的本源因素。研究发现,只有通过降低银行发放小额贷款的成本、提高农业生产技术、提高农业生产要素配置效率、加强农村市场流通体系建设以及大力发展农业保险等举措才能从本源上解决小额信贷可持续发展的问题。

Based On A Win-win Perspective For Both Supply and Demand Sides

Based on the economic interests of rural micro-credit’s supply and demand sides,this paper uses the method of game to seek the real key factors that influences the sustainable development of rural micro-credit.Specifically,we discuss the requirements for banks’ voluntary loans in the frame of peasants’ voluntary repayment.According to our research,we can achieve these goals by increasing agricultural technology,improving the allocation efficiency of agricultural productive factors,strengthening the circulation system of rural markets and developing the agricultural insurance.