CAJ | 학술논문

发展农户经济有利于农村就业，促进农民增收和地区经济发展，化解社会矛盾。近年来涉农贷款不断增加，但仍不能满足农户经济和农村经济发展的需要。我们认为，应强化现有正规金融的支农功能，规范推进多元化的新型农村金融，完善农村金融的财税支持和补贴政策以降低农户贷款负担，建立政策性保险和担保机构，以降低涉农信贷风险，推动农村经济的健康发展。
발전농호경제유리우농촌취업，촉진농민증수화지구경제발전，화해사회모순。근년래섭농대관불단증가，단잉불능만족농호경제화농촌경제발전적수요。아문인위，응강화현유정규금융적지농공능，규범추진다원화적신형농촌금융，완선농촌금융적재세지지화보첩정책이강저농호대관부담，건립정책성보험화담보궤구，이강저섭농신대풍험，추동농촌경제적건강발전。
The development of household economy is conducive to the rural employment, increase farmers ＇income and regional economic development, to resolve social conflicts. In recent years, agriculture-related loans have increased gradually, but it still can not meet the household economy and rural economic development. We believe that we should strengthen the function of existing financial support for agriculture, regulate and promote a wide range of new rural finance, improve rural finance and taxation and subsidy policies to sup- port farmers to reduce the loan burden, establish policy insurance and guarantee institutions, to reduce agri- culture - related credit risk, to promote the healthy development of the rural economy.