农户分化、信息分割与金融联结:基于信号传递博弈理论
Farmers'Differentiation,Information Segmentation and Financial Linkage:Based on the Theory of Signaling Game
陈小知 1米运生2
作者信息
- 1. 广东金融学院华南创新金融研究院,广东广州 510521
- 2. 华南农业大学经济管理学院,广东广州 510642
- 折叠
摘要
为探索农户分化背景下,信息分割是否促使金融两部门在信息领域自发合作而形成一种新的金融联结即信息领域的水平联结,基于农户分化及其信息结构变化的现实背景,通过信号传递博弈模型,逻辑演绎农户分化—信息分割—金融联结的分析框架.研究发现,随着工业化、城镇化推进,农户呈现亲缘小型化、地缘远距离化以及业缘多元化等特征;农户分化导致还款能力信息和还款意愿信息在金融两部门分割,诱使金融两部门通过信号传递形成水平的信息联结模式.因此,建议以新型金融联结模式发展为着力点,创新农户贷款模式,助推农村金融市场高质量发展.
Abstract
In order to explore whether information segmentation promotes spontaneous cooperation between the two financial sectors in the information field and forms a new financial linkage,namely hori-zontal financial linkage in the information field,based on the actual background of farmers'differentiation and its information structure change,the analytical framework of farmer'differentiation-information segmentation-financial linkage is logically deduced through the signaling game model.It is found that with the advancement of industrialization and urbanization,farmers exhibit the characteristics such as kinship miniaturization,geographical distance and diversification.The differentiation of farmers leads to the seg-mentation of repayment ability information and repayment willingness information in the two financial sectors,inducing the two financial departments to form a horizontal information financial linkage through signal transmission.Therefore,it is recommended to focus on the development of a new financial link-age,innovate the loan model of farmers,and promote the high-quality development of rural financial mar-kets.
关键词
农户分化/信息分割/信号传递/金融联结/水平信息联结Key words
farmers'differentiation/information segmentation/signal transmission/financial link-age/horizontal information financial linkage引用本文复制引用
基金项目
国家社会科学基金重大项目(19ZDA115)
国家自然科学基金面上项目(71973034)
广东省普通高校创新团队项目(2021WCXTD011)
出版年
2024
国家科技期刊平台
NSTL
万方数据