基于信息不对称视角的农民专业合作社贷款难的经济学解释

摘要

农民专业合作社贷款难是当前大力发展农民专业合作社过程中迫切需要解决的问题.从信息不对称和金融机构信贷配给视角对农民专业合作社的贷款缺口进行了经济学解释.结果表明,在农民专业合作社贷款市场中,由于贷款双方信息不对称并由此可能带来的道德风险和逆向选择,加之我国农民专业合作社的发展处于初级阶段,使得信贷配给成为金融机构发放农民专业合作社贷款的理性选择,最终形成了农民专业合作社的贷款缺口.%The difficulty in farmer profession cooperative (FPC) loan is an imperative issue to be solved during rapid development of FPC at present.The loan gap of FPC was explained by information asymmetry and credit rationing theory in economics.The results showed that the credit rationing was a rational choice of financial institutions in granting a loan to FPC,which forms the loan gap of FPC at last,due to the moral hazard and adverse selection caused by information asymmetry between financial institutions and FPC,and the FPC's imperfect in China in FPC loan market.