基于博弈的我国农户融资机制比较研究

A Comparison Research on Financing Mechanism of Farmers based on Game

设定农户、农村正规金融、非正规金融的期望收益模型,分析这些金融主体参与金融交易的约束条件,而后根据约束条件对非正规金融的参与、抵押担保、利率补偿、农业保险等机制比较分析。本文认为,积极鼓励非正规金融良性发展、加强产权制度改革、促进政府补贴的农业保险发展,可以有效促进农户融资问题的解决并增加社会总福利。

A new model is based on the formal financing of farmers and rural areas, informal fi-nancial expected revenue, and it shows the constraint conditions for financial subjects to participate into financial transactions. And then I make a comparative analysis on informal financial participa-tion, mortgage guarantee, interest rate compensation, agricultural insurance mechanism according to the constraint conditions. In this paper, we should encourage informal financial development, strengthen the property rights＇ reform, and promote the agricultural insurance development, in or- der to effectively solve the issue of farmers＇ financing and increase total social welfare.