论“三农”信贷的二元矛盾和多元对策

Discussion on Dualistic Contradiction and Multiple Countermeasures of Credit Concerning Agriculture, Rural Areas and Farmers

"三农"信贷因资本逐利的动因而产生金融需求和金融制度、信用货款和信用风险,利润预期和利润低迷,资金安全和资金风险等矛盾。因而,必须构建完善的信贷机制,拓展多元的货款方式,创造和谐的互动模式。

Contradictions between financial demand and financial system, credit loan and credit risk, expected profit margin and low profit, funds safety and funds risk derive from the pursuit of profit in credit concerning agriculture, rural areas and farmers. Therefore, a perfect credit mechanism must be established to develop multiple loaning models and harmonious interacting modes must be created.