| 农户小额信贷可持续发展的经济学分析 |
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| 引用本文： | 郑振东,杨智斌.农户小额信贷可持续发展的经济学分析[J].河北经贸大学学报,2005,26(1):48-51. |
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| 作者姓名： | 郑振东 杨智斌 |
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| 作者单位： | 西安交通大学,经济与金融学院,陕西,西安,710061 |
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| 摘 要： | 农户小额信贷是专向低收入阶层提供小额度持续信贷的服务活动。本文通过构建一个农户小额信贷的收益模型,分析农户小额信贷各个参与方的效用,指出小额信贷可持续发展;政府放松对开展小额信贷金融机构的管制,以及采取较高利率是小额信贷可持续发展的必要条件。
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| 关 键 词： | 小额信贷 正规金融机构 可持续发展 |
| 文章编号： | 1007-2101(2005)01-0048-04 |
| 修稿时间： | 2004年11月5日 |
An Economic Analysis of the Sustainable Development of Microfinance for Farmers |
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| Abstract: | Microfinance refers to the consistent services of small credit exclusively offered to low-income groups. With an established benefit model of farmers from microfinance, this article, by analyzing the utility of the various participants involved in microfinance for farmers, concludes that the microfinance can be developed on a sustainable basis, for which government shall create favorable conditions by loosening the control of financial institutions performing microfinance and adopting higher interest rate. |
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| Keywords: | microfinance regular financial institutions sustainable development |
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