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首先剖析了我国小额贷款实践的现状和存在的问题,通过理论和数学模型分析,指出信贷约束本身并不是贫困产生和持续的充分条件.由于农户存在产品销售成本带来的销售规模效应给农户的贫困的影响及其对农村小额信贷项目的影响,过低的贷款额度可能会使得小额贷款项目对农户失去吸引力,造成小额贷款需求萎缩.因此,适当扩大小额贷款的额度限制,有利于农户更加积极地参与到小额贷款项目中,通过正当经营,增加收入,从而提高生活水平.
First of all, it analyzes the status quo and existing problems of microfinance in our country, and points out that credit constraint itself is not sufficient condition for the generation and persistence of poverty because of the sales scale effect of existence of product cost of sales to farmers The impact of poverty and its impact on rural microfinance projects. Too low loan quotas may make small-sum loan projects less attractive to farmers and cause the demand for microcredit loans to shrink, therefore, the credit limit for microfinance should be appropriately extended This will help farmers to participate more actively in the microfinance projects and increase their living standards through proper management and income.