基于交易成本视角的农村金融供给弱化问题研究

Research on the Weakening of the Supply of Rural Finance based on Transaction Cost

分析不对称信息表明,农村金融供给弱化主要源于不对称信息。不对称信息的存在使得金融机构在对农户融资过程中产生了高昂的交易成本,从而引发了农户融资难问题。从竞争性农村金融市场的构建、农村金融市场信息化建设等角度,探讨了解决农村金融供给不足的对策。

The analysis of the asymmetric information demonstrates the weakening of the supply of rural finance is mainly due to the asymmetric information.The existence of the asymmetric information that financial institutions to farmers in financing process produced high transaction costs,which leads to the financing difficult situation for farmers.The measures to resolve the insufficient supply of rural finance from the point of view of the establishing of a competitive rural financial market and the informatization construction of a rural financial market were discussed.