农户正规信贷研究述评

Review of Farmer Formal Credit Study

发展中国家大多制定了优惠信贷政策支持农户,由于国家政策取向,农户正规信贷内涵早已超越了单纯信贷视角。相关研究演进过程中,交易成本、信息不对称、信贷约束等不断被整合进理论框架,实证模型表达形式也越来越缜密。但是,历史文献多采取农户视角判断农户正规信贷效率,研究结论也各执一词。农户正规信贷涉及多方利益,国家、农村金融机构都是利益主体,忽视任何一方的研究框架都不完整。从新近进展来看,国家效用等制度因素已经逐渐进入研究视野,农村金融机构研究也越来越贴近现实,这些都是农户正规信贷研究颇具意义的发展方向。

Most developing countries have credit policy to support the farmer product,so the meaning of formal farmer credit exceeds the credit because of the background of country.During the development of this theoretical system,transaction cost,asymmetric information,credit restriction are introduced into theoretical framework.But most of the research deals with this problem in the view of farmer,the conclusion is not identical.The formal farmer credit involves in various aspect,just having the farmer perspective is not completely.Nowadays,the economics theory is developing into many new fields,for example,the utility of state is coming into the framework,rural finance institute is closed to the reality.It will be the meaningful future research orientation.