摘要
从非对称信息理论出发,联系泰国农业合作银行(BAAC)的经营实际,笔者认为非对称信息引起的逆向选择和道德风险,是阻碍正规金融机构在农村开展金融业务的重要原因。解除金融抑制,实现农村利率自由化并不能完全解决农村正规金融弱化的问题,政府介入农村金融市场应该重点采取制度创新方式,帮助解决农村信息不对称问题,激励正规金融部门为农村提供金融服务。
Seeing from the information asymmetry theory, combining the practical operation of Thailand BAAC, the author holds that adverse selection and moral hazard resulted from information asymmetry are the important causes for impeding formal financial institutions providing financial services in rural area. Removing finance curbing and realizing financial liberalization could not completely solve the problems of formal finance weakening. It＇s compulsory for the governments to intervene rural financial market mainly by the way of institutional innovation, so as to help solve the problem of information asymmetry in rural area and encourage formal financial sectors to offer financial services for the rural area.
出处
《金融理论与实践》
北大核心
2006年第8期9-12,共4页
Financial Theory and Practice
关键词
农村信贷
非对称信息
泰国BAAC
rural credit loan market
asymmetry information
Thailand BAAC
