| 商业银行不愿意介入小额信贷业务的原因探析——基于成本收益视角的理论分析 |
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| 引用本文： | 吴以恒,李爱喜.商业银行不愿意介入小额信贷业务的原因探析——基于成本收益视角的理论分析[J].河南金融管理干部学院学报,2008,26(1):74-79. |
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| 作者姓名： | 吴以恒 李爱喜 |
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| 作者单位： | 浙江财经学院,金融学院,浙江,杭州,310018 |
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| 基金项目： | 浙江省杭州市社会科学规划项目
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浙江省自然科学基金
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浙江省社会科学界联合会基金 |
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| 摘 要： | 作为缓解农村资金约束的小额信贷业务，近年来的发展一直不尽如人意，其原因主要在于：开展此项新业务成本较高，不确定性因素较多；现有商业银行激励机制不足；国家政策的制约；对小额信贷的风险认识和成本控制存在误区等。小额信贷业务的风险在不断降低，商业银行在进入成本上具有比较优势，进一步开展业务的机会成本较低。因此，通过明晰产权，建立有效的治理结构和与之配套的激励约束机制，商业银行完全可以实现小额信贷业务的可持续发展。
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| 关 键 词： | 小额信贷 商业银行 成本 收益 风险 |
| 文章编号： | 1008-7796(2008)01-0074-06 |
| 修稿时间： | 2007年12月14 |
Probing and Analysis on the Reasons for Commercial Banks'Unwillingness to Introduce Small- sized loans——A Theoretical Analysis Basing on Cost Revenue Viewpoint |
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| WU Yi-heng,LI Ai-xi.Probing and Analysis on the Reasons for Commercial Banks''''Unwillingness to Introduce Small- sized loans——A Theoretical Analysis Basing on Cost Revenue Viewpoint[J].Journal of Henan College of Financial Management Cadres,2008,26(1):74-79. |
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| Authors: | WU Yi-heng LI Ai-xi |
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| Institution: | WU Yi-heng,LI Ai-xi(Finance School,Zhejiang Institute of Finance & Economics,Hangzhou,Zhejiang 310018,China) |
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| Abstract: | As dissolving rural fund constraint,the development of small-scale loan business has been unsatisfactory in recent yrears.The main reasons are: the cost for the business is too high with too many uncertainties;incentive mechanism for the existing commercial banks remains insufficient;national policy's constraints;misunderstandings for the risk and cost of small-scale loans,etc.The risk of small-scale loans is increasingly lowered,commercial banks own comparative advantage in admission cost because of lower ... |
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| Keywords: | small-sized loan commercial bank cost benefit risk |
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