汤敏认为,在目前的情况下,小额贷款机制不失为既能增加低收入农户的收入,又不需国家太多投入的最佳选择机制。小额贷款模式有如下的几大优势。 首先,小额贷款对提高农民收入的效果显著。从试点情况来看,小额贷款的除去利率成本的回报率为50％-80％以上。以平均一户借贷2000元和较保守的20％-40％的回报率计算,每户参与者可 Tang Min believes that under the current circumstances, the microfinance mechanism can be regarded as the best choice mechanism that can increase the income of low-income farmers and does not require too much input from the state. Microfinance model has the following major advantages. First, the effect of microfinance on raising farmers’ incomes is remarkable. From the pilot point of view, the rate of return on interest rates for the removal of interest-bearing micro-loans for more than 50% -80%. Calculated on the basis of an average of 2000 yuan of borrowing and a more conservative 20% -40% rate of return, each household participant may