CAJ | 학술논문

运用问卷调查法对浙江省部分农村地区的农户所进行的调查研究发现，现有的金融供给远远不能满足该地区农村经济发展的需求；农户的外部融资需求很少能从金融机构得到满足；缺乏担保和抵押物；民间借贷行为较普遍；农户融资规模较小、期限短；当地农业保险体系较完善。浙江省可实行农作物与保单“捆绑式”抵押的新型贷款模式，并加快整合相关资源，建立有关部门的联动机制，以充分发挥正规金融机构的供给主导作用，满足农户资金需求，支持农村经济的健康发展。
운용문권조사법대절강성부분농촌지구적농호소진행적조사연구발현，현유적금융공급원원불능만족해지구농촌경제발전적수구；농호적외부융자수구흔소능종금융궤구득도만족；결핍담보화저압물；민간차대행위교보편；농호융자규모교소、기한단；당지농업보험체계교완선。절강성가실행농작물여보단“곤방식”저압적신형대관모식，병가쾌정합상관자원，건립유관부문적련동궤제，이충분발휘정규금융궤구적공급주도작용，만족농호자금수구，지지농촌경제적건강발전。
A survey of farmers in part of rural areas of Zhejiang finds that financial services available to farmers cannot meet demands of economic development there. It is difficult for local residents in rural areas to borrow money from financial institutions as farmers cannot provide banks with sufficient guarantee and collaterals. In this connection, financial instruments in the private sector are quite popular while farmers only need short-term and small amount of money. In Zhejiang, agriculturalinsurance system remains in a good shape. Zhe-jiang government could adopt the model of crops as collaterals for loans, harness the synergy of relevant departments and resources, and make banks play out their parts in offering financial services. By doing so, loans offered by banks are available to farmers and economic development in rural areas can grow in a healthy manner.