北京市农机小额贷款现状调查与发展建议  

Quo Station Investigation and Development Proprose of Agricultural Mechanization Purchase Subsidy in Beijing

作　　者：李小龙[1] 金攀[1] 陈华[1] 徐岚竣[1] 

机构地区：[1]北京市农业机械试验鉴定推广站,北京100079

出　　处：《北京农业（下旬刊）》2010年第3期4-7,共4页Beijing Agriculture

摘　　要：对北京市郊区县农机户、农机服务组织、农村商业银行、农机管理部门人员进行电话调研,了解了各类主体对农机小额贷款的需求、看法,以及小额贷款运行情况。经分析,认为农机户有较强的贷款潜在需求,但现实贷款利率高、担保难、贷款手续繁琐,以及银行认为农机行业较种养业回收期长不愿意放贷等因素制约着贷款需求的满足。要解决贷款难的问题,就要重点从降低贷款使用成本和银行贷款风险入手,通过建立第3方担保和补贴机制,兼顾贷款供需双方利益,从而让银行愿意放贷,农民能够贷到款,达到农机户小额贷款供需的平衡。Our telephone survey involved the staff of agricultural households, agricultural service organizations, rural commercial banks, agricultural management, this datum had helped us to understand of the main types of small loans for agricultural needs, views, as well as micro-credit operation. The analysis showed that farm households had a strong potential demand for loans, but in reality, the high interest rates, guarantees difficuh to apply for a loan red tape, as well as banks that the agricultural planting and breeding industries are more reluctant to lend the industry a long payback period and other factors to satisfy the demand for loans.

关 键 词：农机 小额贷款 担保和补贴机制 

分 类 号：S23-9[农业科学—农业机械化工程]