国外家庭农场金融服务法律制度及对我国的启示

Foreign Family Farm Financial Service Legal System and Its Enlightenment to China

家庭农场作为根植于现代农业生产方式的经营主体,能够有效地提高农业生产力,是乡村振兴的重要载体。由于我国家庭农场金融制度不健全,造成家庭农场资金短缺、发展缓慢,为此,在研究家庭农场政策性金融、合作社信用合作、商业金融和农业保险理论的基础上,借鉴美国、日本家庭农场融资法律制度,提出要规范我国家庭农场法律主体地位,完善政策性金融、合作社信用合作、商业金融和农业保险相关制度,撬动更多的金融资金投入到家庭农场,实现家庭农场融资的“多元化、多层次、广覆盖、可持续”的改革目标。

As a business entity rooted in the existing agricultural production mode,family farm can effectively improve agricultural productivity and is an important carrier of rural revitalization.Because our country family farm financial legal system is not sound,cause the family farm shortage of funds,slow development,therefore,based on the family farm policy finance lending,credit cooperatives cooperation,business financial borrowing and lending agricultural insurance four aspects of law,on the basis of the theoretical basis and characteristics of research,draw lessons from the United States,Japan and our country Taiwan Region and the legal system,It is proposed to standardize the legal subject position of family farms in China,improve the relevant systems of policy-based finance,cooperative credit cooperation,commercial credit and agricultural insurance,and leverage more financial funds to invest in family farms,so as to realize the reform goal of"diversification,multi-level,wide coverage and sustainability"of family farm financing.