当前,服务实体经济的金融产业链已经延展至农村消费市场领域,但金融运行与农户消费行为仍然存在着比较明显的机理差异,农户消费信息传导的滞后严重制约着农村消费金融市场的发展.打通消费资金与消费信用的循环很可能成为解决农村居民消费乏力的关键手段.鉴于此,文章基于演化生态的博弈模型,尝试对正式制度、 非正式制度下农村消费各主体间资金流转表现出的显性、 隐性关系进行了研究,并就几种典型农银博弈情况进行分析.研究发现,消费信用对于不同借贷双方的使用与竞争影响效果不同,消除农户与融资机构和团体间信用信息的流转障碍是推动农村消费金融发展的核心动力,而农户之间的消费借贷合作是突破农村消费融资瓶颈的关键环节.%At present, the chain of financial industry which serves the real economy has been extended to the rural consumer market. However, there is still a clear mechanism difference between the financial operation and the rural household consumption behavior. The lack of rural households' consumption information transmission seriously restricts the development of the rural consumer financial market. It means that Opening the cycle of consumer funds and consumer credit is likely to become a key means to solve the rural residents' weak consumption. In view of this, based on the game model of evolutionary ecology, this paper attempts to study the explicit and implicit relations between the capital flows among the main bodies of rural consumption under the formal system and the informal system, and conducts research on several typical ABC games analysis. The study finds that consumer credit has different effects on the use and competition of different lenders and borrowers. Eliminating barriers to transfer of credit information between rural households and financing institutions and groups is the core driver for the development of rural consumer finance , while consumer and lending cooperation among farmers is a breakthrough. The key link in the bottleneck of rural consumer financing.
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