基于信息熵的农民信贷需求研究

以信息熵理论为基础，通过构建农民信贷决策的信息熵函数，以华北平原地区农村为例，探求了信息熵对农民家庭收入和支出两方面的影响及其对农民信贷需求的影响。研究发现，信息对农民家庭收支的影响存在差异；由于农村信息传播不畅通，致使农民家庭信贷需求是不完全有效的，并指出建立完善的农村信息传播机制，是提高农民信贷需求有效性的重要途径。

Study on the Demand of the Farmers' Credit Based on the Information Entropy

Constructing the function of the farmers’ credit decision-making based on the theory of information entropy and using the case of the rural of Huabei plain area, this paper has searched the influence on the income and the payout of the farmer household by information entropy and the influence on the demand of the farmers’ credit. Therefore, the finding is that information has different influences on the income and the payout of the farmer household and that the demand of the farmer household’ credit is not fully valid because the rural information isn’t transmitted smoothly. At last, the paper indicates that it is the important approach improving the validity of the farmer credit demand to constitute the perfect mechanism of transmitting the rural information.