金融科技助推农户信用贷款发展机制研究  

Research on the Mechanism of Financial Technology Boosting the Development of Rural Household Credit Loans

作　　者：向玉冰 XIANG Yu-bing(Hunan Agricultural University,Changsha 410125,China)

机构地区：[1]湖南农业大学经济学院,湖南长沙410125

出　　处：《经济论坛》2022年第2期113-119,共7页Economic Forum

基　　金：湖南省社科基金项目“金融科技影响农村家庭借贷需求的机制、困境与优化路径研究”(18YBQ072)。

摘　　要：乡村振兴战略实施过程中,农户大量资金需求释放出来,但又面临抵押物缺乏的困境,信用贷款的关键作用亟需发挥。金融科技降低发放信用贷款的成本,提高借款人违约的惩罚成本,并通过鲶鱼效应刺激农村金融机构发放信用贷款。通过对比传统金融环境和金融科技环境下农村金融机构对农户发放信用贷款的博弈情况可知:在传统金融环境下,农户的违约成本低,违约可获得更大的收益,金融机构的最优策略是不发放贷款;在金融科技环境下,(农村金融机构发放贷款、农户履约)就是唯一的最优解。因此提出了要持续完善“金融科技+农村信用体系”等建议,以促进农户信用贷款的发展。During the implementation of the rural revitalization strategy,huge funds demands from rural house⁃holds have been released,but they are faced with the dilemma of lack of collateral,so the key role of credit loans ur⁃gently needs to be played.Fintech reduces the cost of issuing credit loans,increases the penalty cost of borrowers’default,and stimulates rural financial institutions to issue credit loans through the catfish effect.By comparing the game situation of rural financial institutions issuing credit loans to rural households in the traditional financial envi⁃ronment and the financial technology environment,it can be seen that:in the traditional financial environment,the default cost of rural households is low,and defaulting can bring greater benefits to them,so that the best strategy of financial institutions is not to issue loans;in the financial technology environment,(rural financial institutions issue loans and farmers perform contracts)is the only optimal solution.Therefore,this paper puts forward such proposals as constantly improving the“financial technology+rural credit system”to promote the development of rural household credit loans.

关 键 词：金融科技 借贷需求 信用贷款 惩罚机制 博弈 

分 类 号：F83[经济管理—金融学]