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我国农村信贷市场存在着广泛的信息不对称现象,其显著特征是强的信息不可获得性和弱的信息不可确认性,这导致我国农村信贷市场的有效供给与有效需求长期不足,并在较低的水平上实现了均衡。本文运用信息经济学的相关理论,对供求现状做出分析,最后得出结论,释放农村金融需求的关键在于缓解市场上的信息不对称。基于此,本文尝试设计分离的信贷合同来克服信贷市场上所存在逆向选择和道德风险。
China’s rural credit market exists a wide range of information asymmetry, the salient features of which are the unavailability of strong information and the unconfirmed information, which leads to the long-term shortage of effective supply and effective demand in rural credit markets in our country. The level of balance achieved. In this paper, we use the theory of information economics to analyze the current situation of supply and demand. Finally, we conclude that the key to release rural financial demand is to alleviate the asymmetric information in the market. Based on this, this article attempts to design a separate credit contract to overcome the adverse selection and moral hazard existing in the credit market.