兵团农牧团场小额信贷模式探究.doc

新疆兵团农牧团场小额信贷研究AbstractTheoryofmicro-credithasbeenmorematureathomeandabroad，butinpracticeithasmanyproblemsinchina，stillintheexploratorystage。XinjiangProductionandConstructionCorps(theCorps)explorethebenefitofemployeesofAgriculturalFarmsandthespecialmicro-creditmodelaccordingtotheirrealityinthefinancialservicesandagriculture：Itisdifferentfromthefarmersandruralmicro-financecreditsectorparticipationinboththemainmodeofimplementationofthestaffcorps，thefinancialsector，corporationsinvolvedinthesubjectfieldofthreemicro-creditmodel。Corpsmissionfieldcarriesout“sub-systemintegration”ofthetwo-tiermanagementsystem–“enterprisecontractingsystemunderthehouseholdcontractresponsibilitysystem”，itplaysaspecialrolebehaviorinmicro-creditoperationsintheagriculturalandindustrialperformancemonitoringandreducsthesmallcorpstransactioncostsofcreditoperations。GiventhespecialnatureCorpsmicrocredit，mypapersumsupthismissioninthefieldofmicro-creditmodel，basingoninstitutionaleconomics，propertyrightstheory，financialtheoryandgametheoryasthetheoreticalbasis，andstudiesitsoperatingmechanismandinternalcompliancemechanismsmorein-depth：FarmswithCorpsinstitutionalimportthenecessaryfundsfortheEconomicDevelopmentcorporatingfinancialsector；ThefinancialsectorintheCorps，undertheprotectionofthespecialstructure，activelydevelopsthemicro-creditoperations.Comparingtothefaceindividualworkers，ithaslow-riskgroupofoccasionsandlowtransactioncoststofacilitatesupervisionandcontrol；Duetothelackofproductionfunds，thefarmsemployeeshaswillingnesstoborrow。Bythegameanalysis，co-workersandthefinancialsectoraretheoptimumchoice。Thispaprefoundpotentialrisksduringthecourseofthestudygroupmicrocreditmarket.theCorpsgraduallygoesonmarket-orientedreform,therformtheinstitutionaladvantageswilldisappear.Thelossofdefaultriskwillincrease.Weshouldbringforthcreditmodel.Basedontheassessmentofcredit,corporatethemicro-creditguaranteecompanies,innovatethewayofcollateralandguarantees.Keywords：CorpsMissionField,，micro-credit，models，mechanisms，compliancemec