欠发达地区农村信用社信贷支农效应分析——以湖北省恩施土家族苗族自治州为例

The Effect Analysis of Rural Credit Cooperatives' Credit for Assisting Agriculture in Less-developed Regions—Taking Enshi Tujia and Miao Autonomous Prefecture in Hubei Province as the Example

农村信用社在促进农业经济、农村金融发展,联系"三农"上发挥了中流砥柱的作用,但就目前支农效应而言,由于各地自然资源禀赋和社会经济发展大环境的差异,东西部地区具有明显差距。该研究在界定欠发达地区概念的基础上,选取西部典型少数名族聚居地恩施土家族苗族自治州作为研究对象,就近年来该地区农信社信贷支农的现状、模式、问题等进行探究,并对其信贷支农的效应进行分析,分别从政府政策和农村信用2个层面提出了提高信用社信贷支农效应的对策建议。

Rural credit cooperatives,which associate agriculture,farmer and rural area,has played a pivotal role in promoting the development of agricultural economy and rural finance. Based on the less-developed regions＇ definition,typical western minorities＇ settlements Enshi Tujia and Miao Autonomous Prefecture was selected as an object of study,to explore the status quo,pattern,problems of rural credit cooperatives＇ credit support for agriculture in this region in recent years and to analyze the effect of its credit support for agriculture. Several suggestions for improving credit support for agriculture were put forward from aspects of government policy and rural credit.