小额信贷的偿还机制:一个理论述评

被引：20

作者：

聂强

机构：

[1] 西北农林科技大学经济管理学院

[2] 中国社会科学院农村发展研究所

来源：

中国农村观察 | 2010年 / 01期

关键词：

小额信贷; 偿还机制; 理论述评;

D O I：

暂无

中图分类号：

F832.4 [信贷];

学科分类号：

摘要：

本文从小额信贷机构面临的信贷风险和采用的贷款技术两个维度,综述并评论了小额信贷偿还机制方面的理论文献。现有理论文献分别解释了小额信贷机构采用连带责任、次序贷款、定期还款、小组基金等贷款技术,利用横向选择、横向监督、动态激励、分期偿付与担保替代等机制,解决金融中介机构常见的信贷风险问题(包括逆向选择、项目选择、努力程度选择、审计成本与策略性违约等)并最终有效提高还款率的机理。近20年来,对于小额信贷还款机制的理论研究,已经建立了横向选择、横向监督、动态激励机制的基本研究框架,并通过放宽假设、引入多样化机制、采用实验博弈方法等实现了向现实的逐渐逼近。

引用

页码：61 / 75+95 +95

页数：16

共 23 条

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