中美农业信贷体系的差异与启示

Differences in Agricultural Credit System between China and the United States

从农业信贷体系的管理制度与政策、农业信贷机构体系和信贷机构经营环境三方面比较了中美农业信贷体系的主要差异,指出中国农业信贷体系支农不足的原因主要在于制度建设滞后、机构体系不完善、信贷抵押与配套服务不足,进而提出完善中国农业信贷体系的五点政策建议。

Based on analysis of main differences in agricultural credit system between China and the United States from the aspects of agricultural credit management system and policy, system of agricultural credit institutions, and operating environment of credit institutions, this paper points out that China＇s agricultural credit insufficiency lies in the lag of system construction, imperfect system of credit institutions, and lack of credit guaranty and supporting services. Moreover, some policy suggestions are made to improve the agricultural credit system in China.