乡村振兴金融服务中涉农贷款增长放缓问题调查与思考——以安徽为例

Investigation and Reflection on the Slowdown of Agriculture-related loans_Taking Anhui Province as an Example

在当前乡村振兴金融服务中涉农贷款增长放缓问题突出。通过对安徽省数据进行分析和重点调研省内8个地市有关情况,我们认为导致涉农贷款增长放缓的原因是多方面的,既有需求下降的原因,也有供给不足的问题,此外统计范围变化和不良贷款处置也对涉农贷款增长产生了影响。针对涉农信贷中存在的问题,本文提出了加强涉农金融产品创新、加大不良贷款处置、强化风险分担、避免政策"一刀切"和完善统计制度等相关政策建议。

In the current rural revitalization of financial services in agriculture-related loans to slow down the problem.Based on the analysis of the data of Anhui Province and the investigation of the relevant situations in the eight prefectures and cities in the province,we believe that the reasons leading to the slowdown in the growth of agricultural-related loans are manifold,ranging from the reasons of declining demand to the problems of insufficient supply In addition,the change of statistical scope and the disposal of non-performing loans also have an impact on the growth of agricultural loans.In view of the problems existing in Agricultural Credit,this paper puts forward some relevant policy suggestions,such as strengthening the innovation of agricultural financial products,increasing the disposal of non-performing loans,strengthening the risk sharing,avoiding the policy-cutting and perfecting the statistical system.