湖南省农业信贷与农业经济发展的灰色关联分析

The Grey Correlation Analysis between Agriculture Loan and Agricultural Economy Development of Hunan Province

采用灰色关联分析方法对2003-2007年湖南农业信贷与农业经济发展的关系进行了研究。结果表明,湖南农业信贷与农业经济发展具有很高的灰色关联度,但湖南农村金融体系不完善,农业信贷严重不足。提出了建立多元化的金融组织、发挥商业银行在竞争性农村金融市场中的主体作用、发挥农业发展银行的农业政策性金融功能、改革农村信用社、重视非正规金融的作用和探索面向农户和农村中小企业的信用担保制度的对策建议。

The relation between agriculture loan and the agricultural economy development from 2003 to 2007 in Hunan province was analyzed by the grey correlation analysis methods.The result showes that Hunan farm credit and the agricultural economy development has the very high pessimistic interrelatedness,but Hunan rural finance system is imperfect,farm credit serious insufficient.The countermeasure suggestions to establishes multiplex the financial organization,the display commercial bank’s main body function in competitive rural finance market,display agricultural development bank agricultural policy-type finance function,to reform the rural credit cooperative,to take non-regular financial the function and the exploration facing the peasant household and the countryside small and medium-sized enterprise credit guarantee systems were put forward.