基于“三农”视角的农村信贷配给分析与对策选择

An Analysis of Rural Credit Rationing and Countermeasures Based on the "Agriculture, Rural Regions and Peasants"

在目前的农村信贷市场上,以农村信用社为主的正规金融和私人借贷等非正规金融构成了信贷的供给方。但由于种种原因,作为支农主力军的农村信用社在担负起支农、兴农责任时,尚有部分保留,而非正规金融由于"先天不足",其借贷活动的规范仍需长期的政策引导与市场监管,这就导致了"涉农贷款难"。为此,本文从"三农"的角度,用微观经济学中的相关理论对当前农村信贷配给中存在的问题进行分析,并就解决"涉农贷款难"提出了相应的政策建议。

In the current rural credit markets, rural credit cooperatives as the main body of the formal financial and personal loans as the informal financial constitute the supply side of credit. However, for various reasons, as the main force of rural supporting, rural credit cooperatives take up many responsibilities. There are some of the reservations. But the informal finance has a lot of ＂ congenitally deficient＂ , its lending activities still need long-term policy guidance and market supervision. All of these lead to the ＂difficulty of agriculture-related loans＂ . To this end, this article from the point of ＂Three Rural＂, uses the relevant theories of micro-economics to analyze the problem in current rural credit rationing and put forward corresponding policy recommendations on how to solve the ＂agriculture-related difficulty in obtaining loans＂ .