信贷配给、抵押物约束与农村金融市场均衡

Credit rationing,collateral restraints and rural financial market balance

在信息不对称的前提下,将贷款利率和抵押条件作为金融机构和借款人的决策变量,构建农村金融市场的均衡模型,分析了信贷配给产生的条件以及抵押物对于信贷配给的影响,并就缓解农户贷款难问题提出了相应的政策建议。

Under the precondition of asymmestry of information, we should consider loan interest rate and mortgage condistion as the de- cision variation of financial institutions and borrowers and establish the equilibrium model of financial market. This paper analyses the condition of credit rationing and the influence of mortgage on credit rationing and puts forward suggestions for solving difficulty of farmers in loan.