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今年中央提出要创新农村经营主体,家庭农场不仅作为一个新概念出现,而且根据自身融资需求增长,出现一个无法回避的问题,就是农村金融供给严重不足。众所周知,金融机构面临的最大风险是信用风险,由于农村信贷业务的特殊性,使得一些在非农信贷业务中常用的信用风险控制手段在农贷领域难以发挥作用,因此加大了金融机构的经营风险,这也是商业性金融机构减少农村
This year, the central authorities proposed to innovate the main body of rural management. Family farms not only emerged as a new concept but also emerged as an unavoidable problem according to their own financing needs. This is a serious lack of supply of rural finance. As we all know, the biggest risk facing financial institutions is credit risk. Due to the particularity of rural credit business, some credit risk control measures commonly used in non-agricultural credit business are difficult to play a role in the field of rural credit, thus increasing the operation of financial institutions Risk, which is also a reduction of rural commercial financial institutions