摘要
资金短缺是制约农村经济发展的主要因素,特别是武陵山片区这样经济欠发达地区,资金缺乏更为严重。本文通过对麻阳县的担保贷款模式创新进行实地调研,发现担保贷款模式创新增加了农村贷款投放额,带动农户致富,但在发展过程中也出现了一些问题。因此,为了完善推广担保贷款模式,应该加快政策资金落实、完善农业保险体制机制、创新其他贷款模式、加强政策的整合和宣传、完善金融扶贫环境。
Capital shortage is the principal factor of restricting rural economic development, especially in Wuling Mountain area where the economy is underdeveloped, the capital shortage is even more serious. Based on the field research on the innovative pattern of guaranteed loan in Mayang county, this paper finds that the innovative pattern of guaranteed loan increases the rural loan amount and drives the peasants rich, however,there still exists some problems in the development. Therefore, in order to perfect and popularize the guaranteed loan pattern, policy capital should be accelerated, agricultural insurance system and mechanism should be improved, other loan patterns should be innovated, the integration and propagation of policies should be strengthened and the environment of supporting the poor should be perfected.
出处
《特区经济》
2018年第2期48-51,共4页
Special Zone Economy
基金
湖南省社科基金项目“大湘西家庭农场发展中的金融支持研究”(14YBX011)
关键词
担保贷款
金融创新
金融供给
guaranteed load
financial innovation
financial supply
