博弈视角下的河南农户信贷问题研究

Research on Peasant Household Credit in Henan Province In Game Theory Perspective

从河南农户和金融机构两个不同主体研究河南农户信贷所存在的问题。研究发现,当前金融机构与农户之间的信息不对称是产生农户金融抑制的主要原因,进而导致了多数农户无法获得信贷资金。通过博弈分析给出了解决河南农户信贷困境的政策思路,这对河南农业现代化的建设具有重要现实意义。

This paper studies the problems of rural credit in Henan Province from the perspective of present household and financial institutions. Our research finds that the main reason of rural credit fi- nancial constraint is the information asymmetry, which makes it very difficult for many farmers to get credit funds. In this paper, we use game method to analyze the credit dilemma and give some sugges-tions to solve it.