A Study on the Causes and Optimization Paths of Rural Inclusive Financial Supply Constraints from the Perspective of Credit Rationing

This study, based on the theory of credit rationing, analyzes the causes of supply constraints in rural inclusive finance and constructs expected profit models for commercial banks, farmers, and guarantee institutions to explore their roles in rural financial supply. The research finds that factors such as information asymmetry, high difficulty in credit risk management, and an imperfect guarantee mechanism are the main reasons for the constraints on the supply of rural inclusive finance. Banks,