对称性交易:破解农村信贷供需衔接困局的内在逻辑——基于山东农村金融创新案例的分析

在现有农村土地产权制度下,土地及依附于其上的各类生产要素不具有充分交易的条件,进而因缺乏合格的交易客体而使农村金融交易呈现非对称状态。人民银行济南分行立足于满足枣庄流转土地和寿光蔬菜订单的需求,在谋求对称农村金融交易主体上寻求突破,较好顺应了农村土地规模化和集约化经营的主流趋势,对破解农村金融交易困境有一定借鉴意义。

Under the current rural land property system, there are no adequate conditions for the transaction of land and all the production factors attached to land. Then due to lack of qualified transaction objects, rural financial transaction shows asymmetry. PBC Jinan Branch has analyzed two typical cases in rural financing--rural land mortgage loans in Zao Zhuang and vegetable order financing in Shou Guang to explore breakthroughs in the subject of rural finan- cial transaction. This has better adjusted to the mainstream tendency of rural land scale and integrated operation and pro- vides reference for solving the plight of rural financial transaction.