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.
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