信贷资金支持水利建设的约束及路径选择  

The Constraints of Credit Fund for Water Conservation Construction and the Path Selection

作　　者：陈习定[1] 黄庆华[2] 

机构地区：[1]温州大学城市学院,温州325035 [2]西南大学经济管理学院,重庆400715

出　　处：《农业经济问题》2014年第3期44-48,111,共5页Issues in Agricultural Economy

基　　金：教育部人文社会科学研究青年基金(编号:13YJC790011);浙江省自然科学基金青年项目(编号:LQ13G030012);重庆市社科规划博士项目(编号:2012BS09);西南大学博士基金项目(编号:swu1209338)

摘　　要：金融机构的信贷资金是解决水利建设投入不足的重要手段。但在实践中,由于受农业产业弱质性、水利设施产权不明晰、信贷风险补偿机制不健全及信贷产品创新不足的制约,我国信贷资金并不能满足水利建设的需要。针对上述问题提出了给予水利贷款优惠财政金融政策、培育合格承贷主体、建立水利建设风险补偿机制、积极推进金融创新等对策建议,以期在一定程度上缓解信贷约束。The access to credit fund is a crucial factor in solving the problem of lack of input in water conservancy construction. In reality,however,due to some constraints like the fragility of agricultural production,the ambiguity of the property of water conservancy facilities,the unsound credit risk's compensation mechanism,and credit product's innovation restriction,China's credit fund cannot meet the need of its water conservancy construction. In response to the above problems,this paper suggests that preferential fiscal and monetary policy,fostering qualified loan subjects,constructing risk compensation mechanism and promoting financial innovation can ease the exiting severe problems to some extent.

关 键 词：水利建设 信贷资金 制约因素 路径选择 

分 类 号：F832.3[经济管理—金融学] F323.213