CAJ | 학술논문

立足于弱势市场信贷机制的基础上,分析了基于农户与农村中小企业的微型信贷市场分离均衡现象,并建立了贷款需求者的均衡选择模型、信贷机构贷款供给路径模型和银行预期利润函数,研究了微型信贷发展的可持续性问题;通过相关参数的特征分析,论证了信贷机构期望收益的最优路径。在模型分析的基础上,研究了广东小额信贷市场的存续机制;并针对小额贷款公司自身发展的特征,从风险防范、示范效应与政策激励方面提出了相关建议。
립족우약세시장신대궤제적기출상,분석료기우농호여농촌중소기업적미형신대시장분리균형현상,병건립료대관수구자적균형선택모형、신대궤구대관공급로경모형화은행예기리윤함수,연구료미형신대발전적가지속성문제;통과상관삼수적특정분석,론증료신대궤구기망수익적최우로경。재모형분석적기출상,연구료엄동소액신대시장적존속궤제;병침대소액대관공사자신발전적특정,종풍험방범、시범효응여정책격려방면제출료상관건의。
Being a new kind of financial system arrangement as a supplement to rural financial service system, microcredit is suitable for the normalization of private capitals. This paper analyzes the separate equilibrium in microfinance market on the basis of weak mechanism of credit market, and creates an equi- librium decision model about credit demanders ; the path model of the supply institutions and the expected profit function from banks loans. We analysis of the issue of sustainability of micro-credit development. Through the feature analysis of relevant parameters, we demonstrates the optimal path of the institutions. Based on the analysis of the model, we study the survival mechanisms of the micro-credit market in Guangdong. For the characteristics of self-development of the micro-credit companies, we put forward the relevant recommendations from risk prevention and the leading effect and policy incentives.