农村信用社农户小额信贷融资制度的效率：一个分析框架

在新制度经济学的分析框架内,重新构造制度效率评价的理论模型,提出农村信用社农户小额信贷制度效率的评价指标体系,并对该制度效率进行测评。结果表明,我国农户小额信贷制度的效率正在逐渐提高,但各地的差异较大,与经济发展水平无关;农户小额信贷制度效率仍存在较大的改进空间,改进的核心在于交易成本的降低和农业风险控制制度的建立和完善。

Rural Households Microfinance Provided by RCC:An Analysis Framework

The thesis constructs an institutional efficiency evaluation modal on the basis of New Institutional Eco- nomics,puts forwards efficiency evaluation systems on rural households microfinance provided by RCC and makes use of the systems evaluating the microfinance institution.The result shows that the efficiency of microfinance insti- tution is going up but existing regional difference and having no connection with economy development degree;the efficiency of the institution can be improved greatly .The cure of improving the institution efficiency are decreasing transaction costs;establishing and perfecting agricultural risks controlling institution.