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小额信贷是一种为低收入阶层提供存款和贷款服务的小规模的金融服务方式。文章基于对中国小额信贷市场发展现状的了解,发现农信社在小额信贷市场中占据垄断地位,通过垄断厂商理论对其进行了效率分析,得出农信社在小额信贷市场中的垄断地位会造成贷款者的福利减少以及社会效率的无谓损失的结论,并提出了改进意见。
Microfinance is a small-scale approach to financial services that provides deposits and loans to low-income groups. Based on the understanding of the current situation of the development of China’s microfinance market, the paper finds that the rural credit cooperatives occupy a monopoly position in the microfinance market and analyze its efficiency through monopolistic firms’ theory. It concludes that in the microfinance market The monopoly will result in the reduction of the welfare of the lenders and the unnecessary loss of social efficiency, and put forward suggestions for improvement.