I. Introduction

Explain three questions: the definition of microfinance, the risk sources of microfinance, and what is the moral hazard of microfinance?

Second, questioning and verification

You choose the micro-loan data from 2000 to 20 10 to see if the bad debt rate is significantly higher than that of ordinary credit. You can draw a trend chart and do a t-test. The conclusion is that the bad debt rate of microfinance is obviously higher than that of ordinary credit. Then there are mainly several risk factors: such as operational risk (because the quality of microfinance personnel is lower than that of ordinary lenders, and so on). ), but the most important reason comes from the moral hazard of microfinance objects.

Three, why the moral hazard of microfinance is too large (larger than the ordinary loan object)

Personnel structure analysis: Small loans are small and medium-sized enterprises and farmers, and there is no modern financial operation standard. You look for, I see, there are relevant documents. Research on Micro-credit Mechanism to Prevent Farmers' Moral Hazard —— Based on the Perspective of Development Finance Theory

Fourth, the mechanism to solve the problem: how to reduce the moral hazard of microfinance.

1, construction of credit system and guarantee system

2. Government supervision mechanism

3. Standardize the financial operation of small loan objects to make them conform to modern financial operation norms.

4. Improve the personnel quality of small loan companies and establish a credit evaluation system.

And so on: from the credit object, credit issuing subject, government to find a solution mechanism.

You can continue to discuss with me.