辽宁省农业“政银担”合作困难及对策

Cooperation among Government,Bank and Bonding Company for Agriculture in Liaoning Province:Difficulty and Countermeasure

“三农”融资担保服务在我国商业性融资担保体系的市场化供给中处于明显的弱势地位。改变现状要求必须明确界定“三农”融资担保的准公共物品属性,将其纳入普惠金融体系,并赋予融资担保“稳增长、调结构”的经济调控功能,这需要政府更积极地参与到“三农”融资担保中,并在其供给中发挥更大的作用。我国银担合作正逐渐由商业性银担合作的主导模式向政策性政银担合作的主导模式转变。目前我国“政银担”合作的现状是仅由各地方政府根据本地区特点自行探索,未形成统一的模式。从辽宁省农业“政银担”合作的现状入手,分析建立该模式面临的主要困难并提出解决对策。

The financing assurance service for agriculture,rural areas and rural residents is in a obvious poor position in the market-oriented supply of the commercial financing assurance system of China.It is needed to clearly define the quasi-public goods nature of the service and place it in the inclusive finance system and give it the economic regulatory function for maintaining stable growth and structural adjustment.This needs the government participates in the service more actively and plays a more important role in the supply.In China,the cooperation between bank and bonding company are changing from the leading mode of a commercial cooperation to one of a political cooperation.Presently,the cooperation is conducted by the local government according to the characteristics of the area and has not formed a unified mode.In this study,the present situation of the cooperation among government,bank and bonding company for agriculture in Liaoning province is introduces.The difficulties are analyzed and some countermeasures are proposed.