农村金融市场结构与信贷配给——基于非对称信息视角的理论解释

在非对称信息的农村金融市场上,普遍存在着正规农村金融机构对农户的信贷配给。而目前垄断性的农村金融市场结构,加剧了农村金融机构与农户间的信息不对称程度,引发了农村信贷资金的外流,最终导致更为严重的信贷配给问题。因此,必须发展农户贷款担保组织和乡村银行,增强农村金融市场的竞争机制,更好地克服或减弱农村金融机构与农户间的信息不对称,切实解决农户贷款难题。

Market Structure of Rural Finance and Credit Rationing——A Theoretical Study under Asymmetrical Information

In the rural finance market with asymmetrical information,it is universal for regular rural finance organization to ration credit of to farmers.But at present the monopolizing rural finance market structure has intensified the asymmetrical information between the rural finance organization and farmers,initiated the countryside credit fund outflow,resulting in more serious problems in credit rationing.Therefore,it is necessary to develop the county banks and the loaning guarantee organizations of farmers.Only this can strengthen the competitive system of rural finance market and overcome or weaken the issue of asymmetrical information,thus solve the loaning difficulties for farmers.