完善政策性农业信贷担保服务的调查与思考

Investigation and Research about Improving Policy Agricultural Credit Guarantee Service

发展政策性农业信贷担保是当前我国财政转移支农政策的创新延伸,也是完善城乡金融体系的必然过程.2015年始,全国开始建立统一的农业信贷担保体系,聚焦"姓农、为农、惠农"定位和服务宗旨,切实推动政策性农业融资担保服务.经过近3年发展,农担体系取得了明显成效,发挥了应有作用,但也凸显了包括市场、制度和技术等方面的困境.本文以四川省为样本,综合对比全国情况,分析了政策性农业信贷担保服务目前面临的现实问题,并提出了相应的对策建议,力求推动政策性农业信贷担保服务不断创新发展.

The development of policy-based agricultural credit guarantee is an innovative extension of the current fiscal transfer policy to support agriculture, and also an inevitable process to improve the urban and rural financial system. Beginning in 2015, the whole country began to establish a unified agricultural credit guarantee system, focusing on the orientation and service purpose of "surname agriculture,benefit agriculture" and effectively promoting policy-oriented agricultural financing guarantee services.After nearly three years of development, the agricultural responsibility system has achieved remarkable results and played its due role. But it also highlights the plight of market, system and technology. Therefore,based on the sample of Sichuan Province,comprehensive comparison of the national situation analysis,strive to promote the innovative development of policy-oriented agricultural credit guarantee services.