农户贷款担保机制功能及其绩效的经济学分析

Economic Analysis of Function and Performance of the Farmers Loan Guarantee Mechanism

农户贷款难主要原因是农户和银行之间信息的非对称性,由此引发的逆向选择和道德风险使得双方融资不畅。贷款担保机制防范风险的屏障功能以及信息识别功能可以有效解决农户贷款难的问题,因此,政府应发挥担保机制在市场化运作中的组织协调作用,促进金融机构和农户的"双赢"。

The main difficulty of farmers loans is the information asymmetry between banks and farmers.The adverse selection and moral hazard make the two sides have poor financing.The barrier function of preventing risk and the information recognition feature of loan guarantee mechanism can effectively solve the difficulty of getting loans.The Government should play the organization and coordination role in the security mechanism in the market-oriented operation to promote the ＂double-win＂ of financial institutions and farmers.