银行业信贷支农与风险转移问题研究  

The Research on Agriculture Credit Risk Transfer Issues of Commercial Banks

作　　者：魏云良[1] 

机构地区：[1]中国人民银行白城市中心支行,吉林白城137000

出　　处：《吉林金融研究》2011年第8期61-63,共3页Journal of Jilin Financial Research

摘　　要：农业是高风险产业,银行业信贷支农面临由农业风险直接导致的信贷风险较为突出。银行业支农信贷风险的转移,根本在于农业风险的转移和分散,在于农业风险承担和保障机制的建立,而这一机制的缺乏恰是银行业支农信贷风险转移的核心问题,也是最大的难题。消除涉农金融机构信贷支农的风险顾虑,亟待建立农业风险保障机制、设立准政策性专业保险机构、发掘农村保险市场、加强银行业保险业农村金融市场的协作。Agriculture is high risk and a kind of weak industry.The banking credit support agricultural risk facing the direct result of credit risk is particularly outstanding.The transfer of the risk of banking credit support,depend on the transfer and dispersion of agriculture risk,on the establishment of the agricultural taking risks and guarantee mechanism.The lack of this mechanism is a crucial question of the transfer of banking credit support risk,is also the biggest problem.To eliminate the worry of agricultural credit risk of financial institutions supporting,to establish agriculture concerns risk guarantee mechanism,to set up a professional insurance institution,to explore the rural insurance market,to strengthen the collaboration of the banking insurance and the rural financial market are the best way.

关 键 词：信贷支农 风险转移 对策建议 

分 类 号：F832.4[经济管理—金融学]