长期借贷关系下农户与金融机构信用机制研究

Research on the Credit Mechanism between Farmers and Financial Institutions in the Long-term Loans Relationship

社会主义新农村建设时期,我国农户面临着严重的信贷约束,农村经济的发展受到制约。从"信任匮乏"的视角,基于借贷农户间信用机制的形成机理,运用博弈论的知识,研究长期借贷关系下农户与金融机构信用机制的形成,并提出该机制形成与运用的条件。

In a socialist new rural construction period,Chinese farmers face with a serious credit constraint and the development of rural econo-my has been constrained. From the perspective of the lack of the trust,based on the forming principle of credit mechanisms of farmers,using game theory,the formation of the credit mechanism between farmers and financial institutions in the long-term loans relationship was studied. And the formation and use conditions of the mechanism were proposed.