信贷配给理论及经验研究表明，农户普遍面临着严重的信贷配给问题。
Credit ration theory and empirical research show that the farmers face serious credit ration problems generally.
本文就在对信贷配给理论做了一个简短的回顾之后，从三个不同的视角对信贷配给生成机制的研究做了梳理和评析。
In this paper, after a brief review of the theory of credit rationing, the author coordinated and commented on the formation mechanism of credit rationing in three different angles of view.
首先，作者简述了现代商业银行贷款定价的理论依据：信贷配给理论、利率的逆向选择、利率的激励效应和贷款担保理论。
Firstly, the author discusses the loan pricing theory, this means credit rationing, converse selection and inspirit effect, etc.
并在此基础上，利用质量信号博弈模型和声誉理论的分析方法，提出了解决信贷配给的思路和建议。
And on this basis, it puts forward the thinking and suggesting of resolving credit rationing by means of quality signal game model and reputation theory.
并在此基础上，利用质量信号博弈模型和声誉理论的分析方法，提出了解决信贷配给的思路和建议。
And on this basis, it puts forward the thinking and suggesting of resolving credit rationing by means of quality signal game model and reputation theory.
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