非对称信息下农村金融市场结构对信贷配给的影响研究

On the Impacts of Rural Finance Market on Credit Rationing Under Asymmetrical Information

在非对称信息的农村金融市场上,普遍存在着正规农村金融机构对农户的信贷配给。而目前垄断性的农村金融市场结构,加剧了农村金融机构与农户间的信息不对称程度,引发了农村信贷资金的外流,最终导致更为严重的信贷配给问题。因此,必须发展农户贷款担保组织和乡村银行,增强农村金融市场的竞争机制,更好地克服或减弱农村金融机构与农户间的信息不对称,切实解决农户贷款难题。

In the rural finance market with asymmetrical information, the credit ration of regular rural finance organization to peasant household is universal. But the present monopolizing rural finance market structure intensified the asymmetrical information between the rural finance organization and peasant household, which initiated the countryside credit fund outflow, and finally result in more serious credit ration problems. Therefore it is necessary to develop the loaning guarantee organizations of peasant household and the county banks in order to perfect the rural financial market mechanism and overcome the asymmetrical information to solve the loaned problem of peasant household.