15. 会议强调微观金融机构在调动储蓄和改革农村农业方面的作用和重要性 代表们注意到 农村地区的金融中介为规模经济(贷款规模)问题以及与导致高昂交易费用的不利选择和道德风险有关的信息问题所困扰 会议建议采用创新的机制来调动本国储蓄 例如使用轮流储蓄和信贷协会 会议还建议建立各种机制把非正规微观金融机构同正规金融部门联系起来 以便加强金融中介
15. The role and importance of microfinance institutions in mobilizing savings and transforming rural agriculture was strongly emphasized. It was noted that financial intermediation in the rural areas is plagued by problems of economies of scale (size of loans) and information problems associated with adverse selection and moral hazard, which lead to high transactions costs. The meeting suggested the use of innovative mechanisms for the mobilization of domestic savings, such as the use of rotating savings and credit associations. It was also suggested that mechanisms be established to link informal microfinance institutions with the formal financial sector in order to enhance financial intermediation.