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在农村市场经济日益发展的新形势下,农业信贷这个发展经济的启动器,其作用愈来愈被人们所关注,如何正确认识和发挥其作用,为“农业安市”和农村市场经济发展服务,笔者结合对株洲市农村经济和农业信贷工作的调查,谈点粗浅看法。 一、农村市场经济发展给农业信贷提出了更新更高的要求。 1.农业信贷是农业资金投入的“主渠道”,农业信贷投量的增减对农村市场经济发展速度起着重要作用。按照市场经济理论,各生产经营主体应首先是投资主体,它要对其生产经营的投资承担风险和享受收益。而信贷作为一种信用活动,只是调剂各投资主体资金余缺的媒介,是与各投资主体的投资相关联的资金信贷活动。但是,由于种种原因,株洲市农村经济中各投资主体在市场经济起步和发展过程中,并未成为真正的投资者,而农行、
Under the new situation that the rural market economy is developing day by day, the function of agricultural credit, which is the starter of economic development, has drawn more and more attention. How to correctly understand and play its role in serving agricultural development and market economy in rural areas? , The author combined with the investigation of the rural economy and agricultural credit work in Zhuzhou City, talking about the superficial view. First, the rural market economy has brought new and higher requirements for agricultural credit. 1. Agricultural credit is the “main channel” of agricultural capital investment. The increase and decrease of agricultural credit investment plays an important role in the speed of rural market economy. According to the theory of market economy, the main body of production and operation should first of all be the main body of investment. It should bear the risk and enjoy the benefits of its investment in production and operation. As a kind of credit activity, credit is only a medium for adjusting the remaining funds of various investment entities, and is a fund credit activity associated with the investment of various investment entities. However, due to various reasons, all the investors in Zhuzhou’s rural economy have not become real investors in the process of market economy start-up and development. However,