政策性金融扶持农户和小企业的创新思路

The New Ideas of Policy-based Finance Supporting the Peasant Households and Small Enterprise

政策性金融是与商业性金融相对的,商业性金融配置的效率目标是经济有效性,追求利益最大化;而政策性金融配置的效率目标是社会合理性,是调节管理宏观经济的工具,追求社会的稳定发展。但是两者并没有协调好自己的职责,以致出现了严重的金融缺口,尤其是对大量而弱小的农户和农业小企业缺少必要的扶持。本文从农户和小企业两方面阐述政策性金融对其扶持的必要性,并对如何加强扶持提出了创新思路。

Policy-based financial is the counterpart of commercial finance, the efficient goals of commercial finance is economic efficiency, and commercial finance pursuit maximum of the benefits; and the efficient goals ot is social rationality, and policy-based financial the tools of macroeconomic management and pursuit social stable development. But the two＇ did not coordinate their duties, resulting in a serious financial gap, especially large and small farmers and agricultural SMEs lack the necessary support. farmers and agricultural SMEs, and put forward innovative ideas This paper describes the necessity of support from about how to strengthen the support.