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城镇化、农村现代化大幕的开启,标志着我国农业、农村经济改革发展进入了一个新的历史时期。农村小额贷款积极推动了农村经济的发展,成为解决我国“三农”问题的必要手段和有力保障,也将成为商业银行应对激烈金融市场竞争的“新宠”。然而,农村小额贷款存在着较大的信用风险,商业银行必须结合我国国情谨慎防范和控制其风险。本文引入博弈论的研究方法,对农村小额贷款信用风险的形成机制和供求双方的行为进行了描述和研究,进而提出信用风险的防范策略。
The opening of the curtain of urbanization and rural modernization marks a new historical period for the reform and development of agriculture and rural economy in our country. Rural microfinance actively promoted the development of the rural economy and became an essential means and a powerful guarantee for solving the “three rural issues” in our country. It will also become the “new favorite” for commercial banks to cope with the fierce financial market competition. However, there is a big credit risk in rural microfinance, and commercial banks must carefully guard against and control their risks in light of China’s national conditions. This paper introduces the research method of game theory, describes and studies the formation mechanism of rural credit risk and the behavior of both supply and demand, and then puts forward the precautionary tactics of credit risk.