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CREDIT REFERENCE
2015年
10期
45-50
,共6页
农户融资约束%信用体系%博弈分析
農戶融資約束%信用體繫%博弈分析
농호융자약속%신용체계%박혁분석
farmer financing constraint%credit system%game analysis
农户融资约束是制约农户收入增长的主要因素，缓解农户融资约束一直是我国农村金融改革发展的主要任务。运用演化博弈理论对信用体系缓解农户融资约束机理分析表明，引入信用体系后金融机构的最优策略是由不贷款转为贷款，农户的最优策略是由失信转变为守信。此外，采用包含工具变量的有序 Probit 模型，利用百色市12个县(区)的1586个农户调查问卷，研究了农户信用体系对其融资约束的影响，结果发现，农户信用体系显著改善农户融资约束。
農戶融資約束是製約農戶收入增長的主要因素，緩解農戶融資約束一直是我國農村金融改革髮展的主要任務。運用縯化博弈理論對信用體繫緩解農戶融資約束機理分析錶明，引入信用體繫後金融機構的最優策略是由不貸款轉為貸款，農戶的最優策略是由失信轉變為守信。此外，採用包含工具變量的有序 Probit 模型，利用百色市12箇縣(區)的1586箇農戶調查問捲，研究瞭農戶信用體繫對其融資約束的影響，結果髮現，農戶信用體繫顯著改善農戶融資約束。
농호융자약속시제약농호수입증장적주요인소，완해농호융자약속일직시아국농촌금융개혁발전적주요임무。운용연화박혁이론대신용체계완해농호융자약속궤리분석표명，인입신용체계후금융궤구적최우책략시유불대관전위대관，농호적최우책략시유실신전변위수신。차외，채용포함공구변량적유서 Probit 모형，이용백색시12개현(구)적1586개농호조사문권，연구료농호신용체계대기융자약속적영향，결과발현，농호신용체계현저개선농호융자약속。
Farm finanaing constraint is the main factor affecting household income growth. The alleviation of farmer financing constraint has always been the main task of China’s rural financial reform and development. An analysis is made on the mechanism for how the credit system eases household financing constraint by using evolutionary game theory. The analysis shows that after the introduction of the credit system, the optimal strategic choice for financial institutions changes from rejecting loans to extending loans, and that the optimal choice for farmers also changes from being dishonesty to being trustworthy. Further, by exploiting orderly the Probit model which includes tool vari-ants, and according to the 1586 household surveys from 12 counties in Baise city, Sichuan, the paper conducts a research on the impact of farmer credit system upon farmer financing constraint. The empirical results indicate that farmer credit system can significantly ease farmer financing constraint.
