农业强国目标下小农户融资困境与实现路径

Financing Dilemma and Realization Path of Small Farmers Under the Objective of Agricultural Powerful Country

作为中国规模最大的农业经营主体,小农户融资难题的破解对于扩增农村金融市场总量、释放农村经济活力、加快建设农业强国具有重要的现实意义。然而,小农户长期面临融资覆盖面不高、供求错位,非正规信贷大量占据农村信贷市场,新型金融产品在农村普及明显不够,农业保险覆盖面小,风险分担缓释作用并未充分发挥,农户信用信息采集共享机制有待完善等一系列现实困境。为了在农业强国目标下扩大小农户融资覆盖面与消解信贷配给,论文从持续推动金融机构回归本源、丰富信贷产品体系与信贷模式、健全现代农业经营服务体系、扩大农业保险品种与覆盖面、大力推动金融科技等先进手段应用等方面提出相关政策建议。

As the largest agricultural business entity in China,solving the financing problems of small farmers is of great practical significance for expanding the total rural financial market,revitalizing the rural economy and accelerating the construction of a strong agricultural country.However,small farmers have long been facing a series of practical difficulties,such as low coverage of financing,misalignment of supply and demand,massive occupation of the rural credit market by informal credits,insufficient popularization of new financial products in the countryside,small coverage of agricultural insurance,failure to give full play to the role of risk sharing and mitigation,and improvement of the mechanism for collecting and sharing credit information of agricultural households.In order to enhance the financing coverage of small farmers and eliminate credit rationing under the goal of a strong agricultural country,this paper puts forward relevant policy suggestions from the persistent promotion of the return of financial institutions to their roots,the enrichment of the credit product system and credit model,the improvement of the modern agricultural business service system,the expansion of agricultural insurance varieties and coverage,and the promotion of the application of financial science and technology and other advanced means.