杨凌实践:金融支持现代农业发展的成效、问题及启示

Yangling Practice: the Effectiveness, Problems and Implications of the Financial Support for the Development of Modern Agriculture

杨凌示范区作为西北现代农业发展的典型地区,在农村金融创新实践方面做出了农村产权抵押贷款、订单农业贷款、投贷联盟等诸多探索并取得了显著效果。但由于体制机制等因素制约,金融进一步支持现代农业发展仍存在瓶颈。本文在分析问题基础上,提出了完善农村产权抵押政策法规、健全农业专业合作社组织结构、有效发挥农头企业作用、发展政策性担保、鼓励金融创新等若干建议。

As a typical area of the modem agriculture development in northwestern China, Yangling demonstration zone has achieved remarkable progress in rural finance innovation and launched such products as rural property mortgage, order-based agricul-tural loans and investment credit union. However, owing to institutional and other restrictions, there still exists a bottleneck for finance to further support modem agriculture development. Based on the analysis of such problems, the paper proposes a number of solutions, including improving the policies and regulations of rural property mortgage, optimizing the organizational structure of agricultural co-operatives, taking full advantage of the role of leading agricultural enterprises, developing policy guarantee business and encouraging financial innovation.