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基于农村信贷市场上的融资模型,运用合约理论,在借贷合约中引入监督机制、提高农户收入、降低风险等措施后,农户融资条件有适当的放松。结果表明:有效的贷款监督,农民收入的提高、风险的降低均可以降低最低担保品,有利于融资。通过SWOT方法研究建立在农村信贷市场上对农户的激励约束机制:通过一系列措施来加强有效监督、提高农户收入、降低风险。为解决农户融资难的问题提供方案。
Based on the financing model in the rural credit market, using contract theory, introducing supervision mechanism in loan contracts, raising farmers’ incomes and reducing risks, the financing conditions of farmers are appropriately relaxed. The results show that effective loan supervision, improvement of farmers’ income and reduction of risk all can reduce the minimum collateral, which is good for financing. Through the SWOT method, we study the incentive and restriction mechanism for rural households established in the rural credit market through a series of measures to strengthen effective supervision, increase farmers’ income and reduce risks. To solve the problem of farmers financing difficult to provide programs.