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我国农村、农业、农民资金需求旺盛,但难进银行贷款门槛;商业银行有贷款实力,却举步维艰。矛盾的焦点集中于风险。浙江省省级财政从今年开始实行农业贷款风险补偿,各地财政安排一定比例资金配套,专门用于银行业金融机构农业贷款风险补偿。笔者认为,运用财政资金,建立商业银行涉农贷款风险补偿机制,有利于鼓励商业银行支农积极性,推动新农村建设,实为治本之策。
China’s rural areas, agriculture, farmers strong demand for funds, but difficult to access the threshold of bank loans; commercial banks have the strength of loans, but struggling. The focus of conflict is on risk. From the beginning of this year, Zhejiang Provincial Finance Bureau has implemented the risk compensation for agricultural loans, and the financial arrangements in various places have provided a certain proportion of funds to be used exclusively for the risk-relief of agricultural loans of banking financial institutions. The author believes that the use of financial funds, the establishment of commercial banks involved in agriculture loan risk compensation mechanism is conducive to encouraging commercial banks to support agriculture initiative and promote the construction of new countryside, it is a permanent cure.