博弈视角下农户信贷扶贫机制研究

Research on Farmers' Credit Poverty Alleviation Mechanism from the Perspective of Game

通过构建担保公司、保险公司、农户和银行等多方主体参与的博弈模型,发现在农户信贷活动中加入保险和担保不仅能够有效转移农业生产中的不确定性风险、保障农户收入的稳定性,而且还可以减少银行等金融机构放贷的风险、有效提高信贷扶贫资金的使用效率。最后提出了应加大政府的财政支持力度,加强农村信用环境建设,以及提高各参与方的交流合作机制,从而提高信贷在金融扶贫中的作用,推动实施信贷精准扶贫。

This paper constructs a game model involving guarantee companies, insurance companies, farmers and banks, and finds that adding insurance and guarantee to farmers credit activities can not only effectively transfer the uncertain risks in agricultural production, but also ensure farmers income;it can also reduce the risk of lending of banks and other financial institutions and effectively improve the efficiency of the use of credit poverty alleviation funds. Finally, it is proposed that the government s financial support should be strengthened, the construction of rural credit environment should be strengthened, and the exchange and cooperation mechanism of all parties should be improved, so as to enhance the role of credit in financial poverty alleviation and promote the implementation of credit precision poverty alleviation.