纾解三农融资 助力乡村振兴——支持三农融资的国际经验和启示

Rural Relevant Financing Resolution: Challenges,International Experience and Policy Suggestion

乡村振兴是实现"两个百年"伟大战略的重要组成部分,也是我国经济社会转向高质量发展的关键一环。当前在"三农"融资领域,还存在货币传导不畅、有效供给不充分、抵押担保不足、增信机制不完善、利率偏高等问题,一定程度上限制了农村经济产业发展和农户致富。本文在分析我国"三农"融资问题的基础上,梳理了世界主要国家在解决"三农"融资方面的一些经验,并提出了在政府、金融、社会三个层面共同发力,来解决"三农"融资问题的一些建议。

Rural rejuvenation is an important component of the realization of the "two hundred years" great strategy, and also a key link for China's economic and social development to high-quality development. At present, in the financing of "agriculture, rural areas and farmers", there are still problems such as poor currency transmission, insufficient effective supply, insufficient mortgage guarantee, imperfect credit enhancement mechanism, and interest rate preference. This has limited the development of rural economic industries and the prosperity of farmers. Based on the analysis of China's "three rural" financing issues, this paper sorts out some experiences of the world's major countries in solving the "three rural" financing, and proposes to work together at the government, finance and society to solve the problems.