交易费用与农户借贷行为研究综述

Review on Research of Transaction Costs and Behavior of Rural Households'Borrowing

较高的交易费用是农户获取农村正规金融机构贷款的一大障碍。降低农户借贷中的交易费用从而提高农村金融服务水平,是深化农村金融改革的迫切要求。文章在对交易费用与农户借贷行为的相关研究进行梳理的基础上,对研究成果进行了评述,为做进一步的研究提供参考。

High transaction cost is a major obstacle to the rural households＇access to rural formal financial institutions loans.Reduce the transaction costs of the rural households＇borrowing in order to improve the level of rural financial services is an urgent need to deepen the reform of rural finance.Based on the research on the transaction costs and the behavior of the rural households＇borrowing and lending,this paper reviews the research results and provides reference for further research.