CAJ | 학술논문

引起市场失灵的主要原因之一是市场信息不对称现象，这种信息不对称现象增加了小额贷款市场的风险，致使市场效率低下，不断萎缩。分组机制根据贷款人的信息由贷款人自己组成不同风险成次的贷款小组，按组进行贷款，小组内成员相互监督，激励其按期还款，使得贷款机构的风险减小。并且引入了风险分担机制，促进小额贷款市场的有效运行。
인기시장실령적주요원인지일시시장신식불대칭현상，저충신식불대칭현상증가료소액대관시장적풍험，치사시장효솔저하，불단위축。분조궤제근거대관인적신식유대관인자기조성불동풍험성차적대관소조，안조진행대관，소조내성원상호감독，격려기안기환관，사득대관궤구적풍험감소。병차인입료풍험분담궤제，촉진소액대관시장적유효운행。
One of the major causes of market failure is the market information asymmetry, this kind of information asymmetry increases the risk of microfinance market, resulting in market inefficiencies, shrinking. Grouping mechanism according to the lender of the information by the lender to their different risk into credit loan group, the group members mutual supervision, encourage the repayment schedule, making the risk of lending institutions reduce. And the introduction of the risk sharing mechanism, promote the effective operation of micro credit.