摘要
农村小额信贷在帮助贫困农民发展生产、脱贫致富等方面有重要的作用,但由于农民的诚信意识比较淡薄,偿贷意识不强,致使贷款违约率居高不下。从诚信缺失的角度对产生这种现象的原因进行了博弈分析,并建立了迫使农户还贷的"三维"诚信机制。
Micro - credit plays an important role in helping farmers develop production and get rid of poverty. But because of their weak credit and sinking consciousness, the rate of loan breach is high. This paper does a game analysis about the reason in terms of the credit default and proposes a ＂three -dimensional＂ credit mechanism to drive farmers to repay.
出处
《商业研究》
CSSCI
北大核心
2009年第3期157-160,共4页
Commercial Research
基金
教育部人文社会科学研究项目,项目编号:07JA790027
国家自然基金,项目编号:70873096
关键词
小额信贷
诚信缺失
博弈
诚信机制
micro - credit
credit default
game
credit mechanism
