日本农业金融体系及对我国农业金融改革的启示

Japan's Agricultural Financial System and Its Enlightenment to China's Agricultural Financial Reform

农业金融是实现脱贫攻坚和小康社会两大目标任务的核心资源。日本与我国的农业基本情况相似,其较为完善的农业金融体系,对本国经济社会可持续发展发挥重要作用。通过研究日本农业金融体系中的农协和政策公库的供给机构体系、产品体系以及担保体系,分析我国农业金融体系当前的相关问题,进而从农业金融的供给机构结构、产品服务结构以及风险规避结构三个方面提出我国农业金融体系的改革建议,即加快建设和完善我国以合作金融为主体、以政策金融为辅助、以商业金融为补充的农业金融体系。

Agricultural finance is the core resource for realizing the two major tasks of poverty alleviation and well-off society.The basic situation of agriculture in Japan is similar to that of China.Its relatively complete agricul⁃tural financial system plays an important role in the sustainable development of its economy and society.By studying the supply institution system,product system and guarantee system of the Agricultural Cooperatives and Japan Fi⁃nance Corporation in the Japanese agricultural finance system,this paper analyzes the current issues of China's agri⁃cultural financial system,and then puts forward the reform suggestions to China's agricultural financial system from three aspects of the supply institution structure,product service structure and risk aversion structure,that is,to ac⁃celerate the construction and improvement of China's agricultural financial system with cooperation finance as the main body,policy finance as the auxiliary,and commercial finance as the supplement.