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农村小额信贷作为金融创新的一种形式,既是我国农村信贷管理体制的重大改革,也是农村信用社的一项金融产品创新。然而,市场交易中的信息不对称将会产生道德风险与逆向选择。本文探讨了信息不对称视角下的农村小额信贷,并通过对信息不对称内涵的叙述,分析了信息不对称所导致的农村小额信贷问题,并结合实际,提出了解决这些问题的策略。
As a form of financial innovation, rural microcredit is not only a major reform of China’s rural credit management system, but also a financial product innovation of rural credit cooperatives. However, asymmetric information in market transactions will lead to moral hazard and adverse selection. This paper explores the rural microfinance under the perspective of information asymmetry and analyzes the rural microfinance caused by information asymmetry through the narration of the asymmetrical information asymmetry. Based on the actual situation, this paper puts forward some strategies to solve these problems.