论小额贷款公司的可持续发展与制度安排
发布时间：2019-02-22 13:29
【摘要】：中国30余年来的金融改革,尤以商业银行体系为主导、包括农信社、村镇银行在内的信贷机构体系的改革,无不体现为增量改革的特征,而近段时期小额贷款公司的推出,仍然是增量改革的翻版与延续。增量改革的客观作用毋庸置疑,但从农村金融领域的实践来看,绝无达到帕累托改进的效果。特别是小额贷款公司刚一推出,管理当局就给以未来可以转变为村镇银行的预期,由此产生的负效应即会很大程度扭曲小额贷款公司设立的初衷,因此,探讨小额贷款公司的制度安排以保障小额贷款公司的可持续发展是本文的核心宗旨。
[Abstract]:China's financial reform in the past 30 years has been dominated by the commercial banking system, and the reform of the credit institution system, including rural credit cooperatives and village banks, has been characterized by incremental reform, and the recent introduction of microfinance companies. It is still a replica and continuation of incremental reform. The objective effect of incremental reform is beyond doubt, but from the practice of rural finance, it can not reach the effect of Pareto improvement. In particular, as soon as microfinance companies were launched, the management gave them the expectation that they could be transformed into village banks in the future. The negative effects that would result would greatly distort the original intention of setting up micro-credit companies. Therefore, It is the core purpose of this paper to discuss the institutional arrangement of microfinance companies to ensure the sustainable development of microfinance companies.
【作者单位】： 广东金融学院金融系;
【基金】：中国资金流动性过剩与货币政策研究(07BJY163)的子项目
【分类号】：F832.4
[Abstract]:China's financial reform in the past 30 years has been dominated by the commercial banking system, and the reform of the credit institution system, including rural credit cooperatives and village banks, has been characterized by incremental reform, and the recent introduction of microfinance companies. It is still a replica and continuation of incremental reform. The objective effect of incremental reform is beyond doubt, but from the practice of rural finance, it can not reach the effect of Pareto improvement. In particular, as soon as microfinance companies were launched, the management gave them the expectation that they could be transformed into village banks in the future. The negative effects that would result would greatly distort the original intention of setting up micro-credit companies. Therefore, It is the core purpose of this paper to discuss the institutional arrangement of microfinance companies to ensure the sustainable development of microfinance companies.
【作者单位】： 广东金融学院金融系;
【基金】：中国资金流动性过剩与货币政策研究(07BJY163)的子项目
【分类号】：F832.4
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