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本文采用博弈方法,基于农村小额信贷供求双方经济利益的视角,在农户自愿还贷的框架下,讨论银行自愿贷款所需条件,以寻求影响农村小额信贷可持续发展的本源因素。研究发现,只有通过降低银行发放小额贷款的成本、提高农业生产技术、提高农业生产要素配置效率、加强农村市场流通体系建设以及大力发展农业保险等举措才能从本源上解决小额信贷可持续发展的问题。
Based on the economic interests of both rural microfinance providers and consumers, this paper discusses the conditions for bank voluntary loans under the framework of voluntary repayment of rural households in order to find the underlying factors that affect the sustainable development of rural microfinance. The study found that only by reducing the cost of micro-loans banks to raise, improve agricultural production technology, improve the efficiency of the allocation of agricultural production factors, strengthen the construction of rural market circulation system and vigorously develop agricultural insurance and other initiatives to solve the sustainable development of microfinance The problem.