论改善农村金融服务防止农产品价格过快上涨

On Improving the Financial Services in Rural Area to Prevent the Soaring of Agricultural Product Prices

自去年以来,城乡居民普遍反映农产品价格持续上涨,尤其粮食、肉禽蛋等主要副食品价格上涨幅度较大,引起了社会各界的广泛关注。笔者以江西新余市分宜县为例,通过大量调查数据对当前农产品价格持续上涨的特征、原因,涉农生产资料价格变化,制约农村信用社对"三农"投入的主要因素和存在的困难进行客观分析,提出建立农村信用担保机构、调节信贷资金流向等建议,从而改善农村金融服务,防止农产品价格过快上涨。

Since last year, the residents of both urban and rural are have complained about the continuing grow of the prices of agriculture products, especially grain, meat and eggs. This situation has attracted predominant attention from all walks of the society. Taken Fenxuan as an example, this essay will provide an objective analysis, based on the data collected, about the features and causes of the present soaring of agriculture product prices, as well as the changing of prices of the means of agricultural production. The essay will also analysis the main facts and difficulties which have limited the investments from rural credit unions in Farmers, Rural Areas and Agriculture Production. According to these analyses, the author suggests build up the rural credit guarantee organizations, centralize agriculture -related capitals, innovate agriculture beneficial loan products and adjust the direction of credit funds, which will improve the financial services in rural area and finally prevent the soaring of the agriculture product prices.