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破解农户融资难的根本途径是进行信贷制度创新。本文基于广东省四个经济强市(县)314户农户信贷需求的调研,考察了经济发达地区农户的信贷需求状况及特征;遵循农户信贷制度适应市场需求的原则,提出经济发达地区要健全农村金融组织制度、创新农户信贷产品、创新信用担保机制、完善农业风险补偿制度、强化农村信用制度建设。
The fundamental way to solve the difficulty of farmers’ financing is to innovate the credit system. Based on the investigation of credit demand of 314 farmer households in four economically strong cities (counties) in Guangdong Province, this paper examines the credit demand situation and characteristics of farmer households in economically developed regions. Following the principle of farmers’ credit system adapting to market demand, it is proposed that rural areas should be established in economically developed areas Financial organization system, innovation of household credit products, innovation of credit guarantee mechanism, improvement of agricultural risk compensation system, and strengthening of rural credit system.