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2008年金融危机以来,以家庭为代表的小额借贷者过度负债导致的还款困难等金融风险,成为影响很多国家经济平稳运行和社会稳定的突出问题。通过系统整理关于小额借贷者过度负债方面的理论,可知小额借贷者的过度负债问题有其存在的必然性。由于外部环境因素和人口统计因素变化的不可控性,由行为因素引起的主动性过度负债就成为小额借贷者和金融机构降低过度负债风险的重要突破口。因此,我国应尽快建立符合实际的过度负债度量和预警体系,采取有效措施来降低过度负债的概率。
Since the financial crisis of 2008, the financial risks such as the repayment difficulties caused by over-indebtedness of small borrowers represented by families have become prominent issues that affect the steady operation of the economy and social stability in many countries. By systematically arranging the theory of over-indebtedness of small borrowers, we can see that the over-indebtedness of small borrowers has its own inevitability. Due to the uncontrollable changes of external environmental factors and demographic factors, the over-indebtedness caused by behavioral factors has become an important breakthrough for the micro-borrowers and financial institutions to reduce the risk of over-indebtedness. Therefore, our country should set up an actual excess debt measurement and early warning system as soon as possible and take effective measures to reduce the probability of over-indebtedness.