我国小额信贷利率机制研究——基于小额信贷的准公共产品视角

发布时间：2018-01-14 14:24

本文关键词：我国小额信贷利率机制研究——基于小额信贷的准公共产品视角　出处：《江西社会科学》2012年03期 　论文类型：期刊论文

【摘要】：本文基于小额信贷产品准公共产品的视角,探讨了小额信贷利率的确定机制,分别对一般市场小额信贷的利率确定和作为准公共品的小额信贷利率的确定进行分析,认为小额信贷利率的确定应充分认识其准公共品的属性,结合市场和政府行为,综合确定。按照市场原则,可以采取更为灵活的利率政策。政府应该采取有效的外部性内部化的方式确保小额信贷市场的有效运转。
[Abstract]:In this paper, microfinance products of quasi public goods from the perspective of determining mechanism of micro credit interest rates, respectively, on the general market micro credit interest rate determined and identified as a quasi public goods micro credit interest rate is analyzed, that determine the micro credit interest rate should be fully aware of the quasi public goods attribute, combined with the market and the government behavior, determined comprehensively. In accordance with market principles, you can take a more flexible interest rate policy. The government should take the internal and external effective way to ensure the effective functioning of the microfinance market.

【作者单位】：江西财经大学;九江学院;江西财经大学经济学院;
【分类号】：F832.4
【正文快照】： 一、问题的提出及文献综述小额信贷是指为中低收入群体提供的信贷服务。小额信贷产品的目标客户是小微型企业。公共产品的基本特征是消费的非竞争性和非排他性。按照排他性和竞争性来区分私人物品和公共品具有一定局限性。巴泽尔[1]从产权的角度定义了公共产品,他认为应当根

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