具有销售成本的小额信贷模型

首先剖析了我国小额贷款实践的现状和存在的问题,通过理论和数学模型分析,指出信贷约束本身并不是贫困产生和持续的充分条件.由于农户存在产品销售成本带来的销售规模效应给农户的贫困的影响及其对农村小额信贷项目的影响,过低的贷款额度可能会使得小额贷款项目对农户失去吸引力,造成小额贷款需求萎缩.因此,适当扩大小额贷款的额度限制,有利于农户更加积极地参与到小额贷款项目中,通过正当经营,增加收入,从而提高生活水平.

Microcredit Model with Sales Cost

This article first analyzed our country jot loan practice present situation and the existence question,through the theory and the mathematical model analysis,pointed out the credit restrains the sufficient condition which itself is not produces impoverished and continues.Because the peasant household has the sales scale effect which the product sale cost brings for peasant household′s impoverished influence and to the countryside jot credit project influence,the excessively low loan specified amount possibly can cause the jot loan project to lose the attraction to the peasant household,creates the jot loan demand atrophy.