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。%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.
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