现行金融制度对农业产业化发展的制约及对策

分析了现行金融制度对农业产业化发展的制约,指出,要根据农业产业化的特点和金融需求,构建新型农村金融体系;要扩大直接融资渠道,培育农村资本市场,加快推进农村利率市场化进程,解决农村信贷资金的外流,健全金融中介服务机构,为农业中小企业融资提供担保服务;要创新农地担保制度,解决农业中小企业贷款抵押难问题;要放开民间借贷,加快农村征信工作进程,为农业产业化的持续发展营造良好的信用环境;要创新监管制度和模式,对农村金融机构实行差别监管。

Restriction and Countermeasures of the Existing Financial System to the Development of Agriculture Industrialization

This paper studies the restrictions of existing financial systems to the development of agricultural industrialization,pointed out that according to the characteristics of the agricultural industrialization and financial needs,to build new-typed rural financial system;to expand direct financing channels to foster capital markets in rural areas and accelerating the process of market-oriented interest rate in rural areas to address the exodus of rural credit funds and improve the financial intermediation serv...