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农村金融发展不足已成为了农村经济发展的软肋。而农村金融薄弱的一个重要原因产是借贷双方之间的信息不对称,并在此基础上产生了惜贷、拒贷等借贷不足问题。本文通过对农村信贷的分析,以信息不对称理论为基础,通过博弈模型的构建,来阐释双方在借贷中的相应对策,并提出相关政策建议。
The inadequate development of rural finance has become a weakness in rural economic development. An important cause of rural financial weakness is the asymmetric information between lenders and borrowers. On the basis of this, there is a problem of insufficient lending such as loaning loans and refusing loans. Based on the analysis of rural credit, based on the information asymmetry theory, this paper explains the corresponding countermeasures in the loan through the construction of the game model, and puts forward relevant policy suggestions.