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本文通过对山西临汾农村信用社小额信贷制度创新的实证研究,论证小额信贷的制度经济学意义。文章认为,小额信贷是信用社经营制度的根本性的激进变革,在促进地区经济增长、满足弱势集团融资需求和确保政府、农户、信用社三方利益方面都具备显著绩效,属于帕累托改进。
This paper demonstrates the institutional economics of microfinance through the empirical research on the innovation of microcredit system in rural credit cooperatives in Shanxi Province. The article argues that microcredit is a radical radical change in the management system of credit cooperatives and has significant performance in promoting the economic growth in the region, meeting the financing needs of disadvantaged groups and ensuring the tripartite interests of the government, farmers and credit cooperatives. It belongs to the Pareto Improvement .