农村金融是我国金融改革的重要议题,如何更好地发展农村信贷、增强金融对农村经济的拉动作用,是农村金融改革的重要目标。受借贷双方信息不对称以及成本收益比等因素的影响,尽管国家给予了农村金融机构各种政策优惠,但是农村信贷的效果 Rural finance is an important issue of China’s financial reform. How to better develop rural credit and enhance the stimulating effect of finance on the rural economy is an important goal of rural financial reform. Due to asymmetric information of both lenders and borrowers as well as cost-benefit ratio and other factors, although the state has given various preferential policies for rural financial institutions, the effect of rural credit