农村金融次贷风险化解:分担及补偿机制研究

农村金融是农村经济的核心,农村经济的发展与农村金融发展密切相关。目前,我国农村金融供求不平衡,政府力推农村金融改革和发展,鼓励农村金融组织发放次贷,支持农村经济发展。由于农业产业的弱质性,"三农"信贷缺乏有效抵押物,农业保险严重滞后,金融机构承担巨大风险,亟待进行风险化解、分担和补偿。应从政策、市场和金融组织自身发展三个方面对农村金融次贷风险进行分担和补偿,化解农村金融次贷风险。

Resolution of Rural Financial Subprime Risk: Sharing and Compensation Mechanism

The rural finance is the core of rural economy,the development of the rural economy and the rural financial development are closely related.At present,our country rural financial supply and demand is under the imbalance.The government is trying to push rural financial reform and development,encourage the rural financial institutions issuing subprime,support rural economic development.However,due to the feeble constitution of agricultural industry,lack of effective mortgage,lag of agricultural insurance,risks in the financial institution,we have to resolve the problems and risks.Relevant suggestions and policies are put forward for the development.