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。
The paper considers that the function of policy-related poverty reduction should be separated from marketoriented 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.
出处
《贵州农业科学》
CAS
北大核心
2009年第3期163-167,共5页
Guizhou Agricultural Sciences
关键词
小额信贷
市场化
利率
信贷风险
决策模型
micro-credit
market-oriented
interest rate
credit risk
decision model
作者简介
邓海东（1981-），男，在读硕士，研究方向：农村金融。E-mail：derek．dhd@gmail．com
