美国的农业信贷制度及其启示  

American Agricultural Credit System and Its Enlightenment

作　　者：卞进 郭建鸾[1] 

机构地区：[1]中央财经大学商学院,100081

出　　处：《上海经济研究》2015年第12期52-60,70,共10页Shanghai Journal of Economics

基　　金：教育部人文社科项目<我国商业银行信贷资产证券化道德风险管控研究>(项目批准号:14YJA630014)

摘　　要：美国农业信贷制度的建立实现了美国农业经营的繁荣,使其农村经济活力大幅增强,农民生活水平显著提升。该文通过分析,认为该制度的核心在于根据自身农业现状和国情确立适合本国农业发展的法治、合作自治、政府适度干预三项基本原则,该制度的构造在于确立独具美国特色的监督机制和机构设置。当前,我国农村的土地制度改革在股份制和土地银行等方面的探索都是如日中天,可以从美国农业信贷制度中借鉴制度设计初衷、具体制度、构建框架落实等方面的成功经验。The establishment of the agricultural credit system of the United States led to acthe prosperity of the United States agricultural operation,and enhanced rural economic vitality,result the improvement of farmer living standards.The core of this system is to establish the principles of laws,cooperation and moderate government intervention which are suitable for national agricultural development,based on agricultural situation and national conditions,and the establishment of this system is based on the unique American supervision system and mechanism framework.Currently,the rural land system reform is still making progress in shareholding system,land bank and so on,and successful experience can be obtained from system design intention,specific institution,construction of the framework,and so on,of agricultural credit system of the United States.

关 键 词：美国 农业信贷制度 农业金融 监管机制 

分 类 号：F830.58[经济管理—金融学]