| 农村金融创新 促进农业产业化发展 |
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| 引用本文： | 郝秀清,胡成根,仝允桓.农村金融创新 促进农业产业化发展[J].科学学与科学技术管理,2008,29(12). |
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| 作者姓名： | 郝秀清 胡成根 仝允桓 |
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| 作者单位： | 清华大学,经济管理学院,北京,100084 |
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| 基金项目： | 国家自然科学基金资助项目 |
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| 摘 要： | 目前,我国农村经济和政府对农村的扶持手段都经历了较大变化,在农民收入增速放慢的时期,产业化经营可能是农村一条重要的发展新路.但是,在农户养殖产业化中,融资问题使得农民的经营规模难以扩大,企业和农户之间依赖中间经销商融资和销售,由此增大了投入成本.农村金融体系一直难以有效建立,根本原因在于没有很好的担保体系,农户的大部分资产也不能作为抵押品.提出了一种新的农村金融创新方法:将农业企业、银行、保险公司、担保公司和农民结合起来,形成新的经营模式,为农村提供方便的融资渠道,同时减少中间成本,促进产业化发展和农民收入的提高.对这种农村金融创新发挥作用的机理作了讨论,并进一步指出了可能存在的问题和解决办法.
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| 关 键 词： | 农村金融创新 农业产业化 可持续发展 |
How Rural Financial Innovation Promotes Agricultural Industrialization |
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| HAO Xiuqing,HU Chenggen,TONG Yunhuan.How Rural Financial Innovation Promotes Agricultural Industrialization[J].Science of Science and Management of S.& T.,2008,29(12). |
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| Authors: | HAO Xiuqing HU Chenggen TONG Yunhuan |
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| Abstract: | At present,rural economy and supporting measures of government on rural China have experienced great change. Industrialization may be a new way to boost rural income when farmer's income growth rate is decreasing in rural China. Due to lack in guarantee system in rural China and less hostage,financing is still difficulty so as to firms and farmers have to rely on dealer's support. This leads to high input cost and small operation scale. In this paper,we suggest a new rural financing model which combines agriculture company,farmer,bank,insurance company and financial guarantee company to enable farmers access capital easily. This model can reduce input cost and im-prove profit of firms and farmers. It presents the mechanism of this new financial innovation model and points out the potential problems and key successful factors of this model by analyzing the successful cases in Shangdong province. |
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| Keywords: | rural financial innovation agriculture industrialization sustainable development |
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