资金总量与效率:发达地区农业贷款市场研究

Capital Amount and Capital Efficiency: A Study of Rural Credit Market in Developed AreaS

当前发展农业经济在资金方面主要存在两大难题亟需解决:资金总量和资金效率,总量问题体现了资金需求的成长性和资金供给的萎缩性之间的矛盾,效率问题体现了资金需求的差异性和资金供给的类同性之间的矛盾。本文通过对发达地区农业经济发展与金融信贷支持进行实证研究,基本上得出两个结论:一是解决农业经济发展中的资金总量问题,不能依赖单一的资金供给者,而需对农村金融重新进行制度安排,并辅以适度的价格补偿;二是解决农业经济发展中的资金效率问题,需从信贷营销的角度对农业经济领域进行市场细分,引导金融部门选择进入不同的细分市场并形成互补优势,以提高信贷资金的整体支农效率。

Total capital amount and capital efficiency are two major issues in fund supply in rural economic development. This paper empirically studies the correlations between rural economic development and financial support through the case of Weihai City, Shandong Province to conclude two viewpoints. First, a solo credit supplier cannot solve the problem of excess fund demand, and rural financial structure should be rearranged based on price subsidy. Second, to enhance the efficiency, rural credit market should be defined into several sub - markets to induce various financial institutions' entry.