The International Comparison In Methods To Test The Effectiveness Of Information In Small And Micro Credit

Small and micro enterprise accounted for more than99%of the non-public sectors of theeconomy, it is an new force and an important component part of the non-public economy.Nosmall and micro enterprise development no100strongest enterprises in the word. Small andmicro enterprise credit is different from the general credit.In small and micro enterprise,investment subject and diversified ownership structure and enterprise structure is notstandardized, management system and financial system is not complete,and so on.Questionsabove make small and micro enterprise difficult to solve the financing problem.Thetheoretical framework of information economics can be reference in the analysis of small andmicro enterprise credit problems.Compared with the ordinary business loans, the micro loan business has a uniqueoperating mechanism.In ordinary credit market, the traditional commercial bank use strictprocedures screening clients through the financial information s and guarantee conditions ofdirect information. However in the micro loan market, credit concept is entirely different.The first requirement for establishing a foundation of trust, rely on indirect information andthe power of relationships to implement the credit evaluation，the micro finance business ininformation management mechanism, evaluation mechanism of credit information, loanpricing strategy, incentive and restraint mechanism, risk management mechanism and so on,has its unique characteristics.The emergence of microfinance technology is a solution to the problems of small andmicro credit information asymmetry.Micro credit technology and the earliest microfinance isrising from the developing countries in regional development. Among them, the Bangladesh"Yunus" model of micro credit model by the United Nations and other internationalorganizations, recognized, and continue to spread around the world; and the model is foundedin Bangladesh Grameen Bank has also become the world’s first specialized to lend money tothe new type of poor small commercial banks.Methods in this paper mainly by means of quantitative analysis, qualitative analysis andcase analysis in combination with the argument. Comparing the mature technology and domestic of foreign existing technology, summarizes the effective to solve the problem ofinformation asymmetry of foreign small micro credit technology in the methods and operationskills, according to China’s social and economic environment in the small micro credittechnology is not perfect aspect, put forward the improvement of small micro credittechnology and business operation. Promote small micro credit technology service efficiency,so as to alleviate the problem of small enterprise financing and development, promote thedevelopment of small enterprises in our country.Microfinance technology seems to be on a mortgage good alternative. Internationalexperience shows such as Indonesia’s BRI, BancoSol of Bolivia and Bangladesh Grameenbank many microfinance institutions success is by simplifying organizational structure oftraditional bank and make the lower transaction costs and the use of collateral substitutes,through group credit constraints and increasing good repayment record of small microenterprise loans incentive measures to strengthen supervision. Microfinance institutions havebeen proved successful,This paper makes use of game theory Bias Nash equilibrium and refining Bias Nashequilibrium proves that the application of micro credit technology, proposed the use of signaltransmission model and the principal-agent model under asymmetric information to solve thecase of adverse selection and moral hazard respectively, specific to the Chinese micro credittechnology development, development proposals to continue to support Small and microbusinesses from the macro on the, to proceed from a policy oriented and improve theeconomic environment, at the same time, from the micro suggested details in design of theterms of the contract and incentive policy specification, also in the introduction of foreigntechnology model is more successful to the attention of combining with the actual China,training local professionals and strengthen self management is the development of never belazy.