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联保互保金融产品的不断发展有助于改善金融机构对小微企业等弱势群体的信贷支持。但是随着经济金融环境的不断变化,联保互保金融产品在实际操作中也出现了一些失败案例并表现出集群性、区域性和系统性风险,这制约了联保互保模式的发展和推广。文章分别运用投资组合理论、俱乐部理论以及博弈与合谋理论对这种贷款模式进行分析,为其提供理论支持。针对联保互保贷款模式产生的问题提出相应的解决思路,使其更具推广意义。
The continuous development of UNPROFOR’s mutual insurance financial products helps to improve the credit support of financial institutions for vulnerable groups such as small and micro enterprises. However, with the constant changes in the economic and financial environment, some failures of UNPROFOR financial products have also appeared in actual operation and have shown cluster, regional and systemic risks, which have restricted the development of the mutual guarantee and mutual insurance mode Promotion. This article respectively uses the theory of investment portfolio, club theory and game and collusion theory to analyze this loan model to provide theoretical support for it. In view of the problems arising from the mode of mutual guarantee loan of UNPROFOR, the corresponding solutions are put forward to make it more generalized.