金融支农的制约因素及政策建议——以合水县为例

The Constraining Factors of the Financial Support to Agriculture and Policy Recommendations——A Case of Heshui County

近年来,金融机构加快农村金融产品和服务方式创新,推进了农业发展和农民增收。但目前金融机构对农业的信贷支持不足、新型农业生产经营主体融资难仍然突出、金融产品创新与农业金融需求不匹配的问题依然是制约县域金融支农成效持续扩大的主要原因,本文以合水县为例就此情况开展调查并提出政策建议。

In recent years, financial institutions have speeded up the innovation in rural financial products and service modes, which promotes the agricultural development and farmers’income. But currently the credit support of financial institutions to the agri-culture is insufficient, the difficulties of new-type agricultural production and operation the main body in financing is still outstanding, and the problem of the mismatch between financial products innovation and agricultural financial demand is still the main cause that constrains the continuous expansion of the effect of the county-level financial support to the agriculture. The paper selects Heshui county as the sample to make the investigation on the situation and puts forward policy suggestions.