山东工商学院学报
山東工商學院學報
산동공상학원학보
Journal of Shandong Institute of Business and Technology
2009年
3期
90~93
,共null页
农业产业化 金融约束 制度安排
農業產業化 金融約束 製度安排
농업산업화 금융약속 제도안배
agriculture industrialization ; financial restriction; system arrangement
分析了现行金融制度对农业产业化发展的制约,指出,要根据农业产业化的特点和金融需求,构建新型农村金融体系;要扩大直接融资渠道,培育农村资本市场,加快推进农村利率市场化进程,解决农村信贷资金的外流,健全金融中介服务机构,为农业中小企业融资提供担保服务;要创新农地担保制度,解决农业中小企业贷款抵押难问题;要放开民间借贷,加快农村征信工作进程,为农业产业化的持续发展营造良好的信用环境;要创新监管制度和模式,对农村金融机构实行差别监管。
分析瞭現行金融製度對農業產業化髮展的製約,指齣,要根據農業產業化的特點和金融需求,構建新型農村金融體繫;要擴大直接融資渠道,培育農村資本市場,加快推進農村利率市場化進程,解決農村信貸資金的外流,健全金融中介服務機構,為農業中小企業融資提供擔保服務;要創新農地擔保製度,解決農業中小企業貸款牴押難問題;要放開民間藉貸,加快農村徵信工作進程,為農業產業化的持續髮展營造良好的信用環境;要創新鑑管製度和模式,對農村金融機構實行差彆鑑管。
분석료현행금융제도대농업산업화발전적제약,지출,요근거농업산업화적특점화금융수구,구건신형농촌금융체계;요확대직접융자거도,배육농촌자본시장,가쾌추진농촌리솔시장화진정,해결농촌신대자금적외류,건전금융중개복무궤구,위농업중소기업융자제공담보복무;요창신농지담보제도,해결농업중소기업대관저압난문제;요방개민간차대,가쾌농촌정신공작진정,위농업산업화적지속발전영조량호적신용배경;요창신감관제도화모식,대농촌금융궤구실행차별감관。
This paper studies the restrictions of existing financial systems to the development of agri-cultural industrialization, pointed out that according to the characteristics of the agricultural industrialization and financial needs, to build new-typed rural financial system; to expand direct financing channels to foster capital markets in rural areas and accelerating the process of market-oriented interest rate in rural areas to address the exodus of rural credit funds and improve the financial intermediation services, in order to guarantee the services to financing in agricultural small and medium-sized enterprises; to innovate security system for agricultural land, and solve difficult problems of the loans in agricultural small and medium-sized enterprises; to open private borrowing to speed up the work of rural credit process, to create a good credit environment for sustainable development of agriculture industrialization; to innovate regulatory framework and model, to implement difference supervision on rural financial institutions.