本文将行为金融理论引入了信贷市场进行分析。基于认知偏差的视角,研究了在农村信贷过程中,银行等金融机构出现的认知偏差及其给农户信贷带来的外部约束;分析了农户在此过程中会表现出的认知偏差,以及这些认知偏差带来的风险;提出了借用认知偏差控制认知偏差所产生风险的对策。 This article introduces the behavioral finance theory into the credit market for analysis. Based on the cognition bias, this paper studies the cognitive bias and the external constraints on peasants’ credit brought by banks and other financial institutions during the process of rural credit; analyzes the cognitive deviation that peasants show in the process, As well as the risks caused by these cognitive biases. A strategy of using cognitive bias to control the risk of cognitive bias is proposed.