| 农村小额信贷的市场化运作及其利率区间 |
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| 引用本文： | 邓海东,卓建伟.农村小额信贷的市场化运作及其利率区间[J].贵州农业科学,2009,37(3). |
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| 作者姓名： | 邓海东 卓建伟 |
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| 作者单位： | 上海交通大学,安泰经济与管理学院,上海,200030 |
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| 摘 要： | 从小额信贷的功能和农村金融市场的特点出发,指出应该将小额信贷的政策性扶贫功能从小额信贷的市场化运作中剥离出来.运用修正的商业信贷风险决策模型,计算出均衡的小额信贷利率区间.并且与中国实际情况对比分析,指出相对宽松的利率政策和适当的高利率能够防止小额信贷市场的"逆向选择"和"道德风险",是小额信贷能够持续发展的关键要素.
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| 关 键 词： | 小额信贷 市场化 利率 信贷风险 决策模型 |
Market-oriented Operation of Rural Micro-credit and Its Interest Interval |
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| DENG Hai-dong,ZHUO Jian-wei.Market-oriented Operation of Rural Micro-credit and Its Interest Interval[J].Guizhou Agricultural Sciences,2009,37(3). |
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| Authors: | DENG Hai-dong ZHUO Jian-wei |
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| Institution: | Antai College of Economy and Management;Shanghai Jiaotong University;Shanghai 200030;China |
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| Abstract: | The paper considers that the function of policy-related poverty reduction should be separated from market-oriented operation of the micro-credit market.The balanced interest interval can be calculated by using the revised commercial credit risky decision model.The results show that the relative free interest policy and high interest rate are key factors to prevent "adverse selection" and "moral hazard" in the micro-credit market and keep sustainable development of the micro-credit market. |
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| Keywords: | micro-credit market-oriented interest rate credit risk decision model |
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