从信息不对称角度审视农村金融的困境与出路  

Examining the Predicament and Outlet of Rural Finance from a Information Asymmetry Perspective

作　　者：龚关[1] GONG Guan

机构地区：[1]南开大学经济学院

出　　处：《新经济》2025年第1期115-125,共11页New Economy

摘　　要：农村金融市场的信息不对称问题突出,且有其自身特点,设计农村金融制度必须以此为基础和出发点。为此,针对中国农村金融的困境,除采取运用数字技术改进农村金融经营模式、健全治理结构、差异化经营、强化监管等措施外,更重要的是针对农村市场的信息不对称,构建以声誉机制为基础、以社区银行为载体的农村信贷体系,数字金融在其中起辅助作用。The problem of information asymmetry in rural financial markets is prominent and has its own characteristics.The design of rural financial systems must be based on and take this as the starting point.Therefore,in response to the difficulties faced by rural finance in China,in addition to adopting measures such as using digital technology to improve rural financial business models,improving governance structures,implementing differentiated business strategies,and strengthening supervision,it is more important to address the information asymmetry in the rural market and build a rural credit system based on reputation mechanisms and carried out by community banks,and digital finance can only play an auxiliary role.

关 键 词：农村金融 信息不对称 声誉机制 社区银行 

分 类 号：F832[经济管理—金融学]