中国与印度农户金融服务比较分析

A Comparative Study on Financial Service System for Farm Households in China and India

中国和印度两国的农户金融服务体系构成性质相同,均为商业金融、政策性金融和合作金融,但业务运行存在实质差别。通过对两国农户金融服务的深入对比显示:一方面,印度商业金融比例高、政策性金融业务广泛深入、合作金融合作性质明显,值得中国学习和借鉴。另一方面,印度农户金融服务的非生产性质需要引起注意,在完善农户金融服务体系的过程中,需要协调生产性与非生产性金融服务的比例和结构。

The frameworks of financial service system for farm households in China and India are almost the same,consisting of commercial finance,policy-based finance and cooperative finance,but there are substantial differences in operating mechanism.On the basis of comparison,it reveals that Indian financial service for farm households,characterized by a big proportion of commercial finance,extensive policy-based finance and distinguishing feature of cooperation in cooperative finance,provides a good example for China.Secondly,it deserves our attention that Indian has some non-productive financing needs in its financial service for farm households,and how to balance the structure and proportion of productive and non-productive needs for finance in perfecting financial service for farm households.