基于演化博弈理论的我国农村小额信贷供需研究

发布时间：2018-06-23 23:43

  本文选题：农村小额信贷 + 供求分析　； 参考：《山东财经大学》2014年硕士论文

【摘要】：小额信贷既是扶贫的一种重要方式，又是金融服务的创新。小额信贷的服务对象主要是城乡低收入阶层，通过向低收入农户或农村微型企业提供金融服务，来提高农户或微型企业的收入，促进农村经济的发展。 小额信贷是对传统金融服务手段不断创新的结果，作为一种金融扶贫方式，小额信贷在欠发达国家和地区受到广泛的欢迎。从目前我国的实践来看，虽然小额信贷在一定程度上提高了农户的收入，促进了农村经济的发展，但是由于种种原因，我国农村小额信贷在其发展过程中存在着很多阻碍因素，比如资金来源较为单一、小额信贷市场供不应求，小额信贷交易成本比较高，小额信贷供给机构经营管理水平不高，信息不对称等等。本文从小额信贷供求的角度，分析我国小额信贷供求现状和供求失衡的原因，认为交易成本是小额信贷供求失衡的根本原因，并且利用演化博弈理论分析供给和需求者均衡策略的选择路径，从而给出实现供求均衡的建议。 本文内容为五部分，第一部分为绪论，介绍本文的选题意义、背景、国内外文献综述，以及本文的主要研究探索内容、独特的创新点以及研究思路和方法等等；第二部分为本文的理论基础概述，分别介绍演化博弈理论、交易成本理论、公共产品理论和行为经济学理论；第三部分分别从供、需两方面对农村小额信贷的发展现状做阐述，，并且分析了农村小额信贷供需失衡的主要原因；第四部分运用演化博弈理论对农村小额信贷供需双方进行分析，分析了交易成本造成农村小额信贷供需失衡的作用机制；第五部分给出了发展我国农村小额信贷的政策建议。
[Abstract]:Microfinance is not only an important way of poverty alleviation, but also an innovation of financial services. Microfinance mainly serves urban and rural low-income groups, by providing financial services to low-income farmers or rural micro-enterprises, to improve the income of farmers or micro-enterprises, and promote the development of rural economy. Microfinance is the result of continuous innovation of traditional financial service means. As a way of financial poverty alleviation, microfinance is widely welcomed in less developed countries and regions. From the current practice in our country, although microfinance to a certain extent has improved the income of farmers and promoted the development of rural economy, there are a lot of obstacles in the process of the development of micro-credit in rural areas of our country due to various reasons. For example, the source of funds is relatively single, the microfinance market is in short supply, the transaction cost of microfinance is relatively high, the management level of microfinance supply institutions is not high, the information is asymmetric and so on. From the point of view of supply and demand of microfinance, this paper analyzes the present situation of supply and demand of microfinance in China and the reasons for the imbalance of supply and demand, and concludes that transaction cost is the fundamental cause of the imbalance between supply and demand of microfinance. And the evolutionary game theory is used to analyze the choice path of supply and demand equilibrium strategy, and the suggestion to realize supply and demand equilibrium is given. The content of this paper is five parts, the first part is introduction, introducing the significance, background, domestic and foreign literature review, as well as the main research contents, unique innovation points, research ideas and methods, etc. The second part is an overview of the theoretical basis of this paper, respectively introducing evolutionary game theory, transaction cost theory, public goods theory and behavioral economics theory. And analyzed the main reasons of rural microfinance supply and demand imbalance; the fourth part used evolutionary game theory to analyze the rural microfinance supply and demand both sides analyzed the transaction costs caused by rural microfinance supply and demand imbalance mechanism; The fifth part gives the policy suggestion of developing the rural micro-credit in our country.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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