农地流转中的金融抑制与金融创新——基于L市农村金融供求的调查  

Financial Repression and Financial Innovation in Agricultural Land Transfer——Based on a survey on rural financial supply and demand of L City

作　　者：李启宇[1] 何凡[1] 李玉妮[2] 

机构地区：[1]四川理工学院经济学院,四川自贡643000 [2]眉山职业技术学院商贸旅游系,四川眉山620010

出　　处：《四川理工学院学报（社会科学版）》2016年第3期51-59,共9页Journal of Sichuan University of Science & Engineering(Social Sciences Edition)

基　　金：教育部人文社会科学研究青年基金项目(12YJC630099);四川省教育厅科研项目(15SA0065);四川省农村发展研究中心项目(CR1113);四川理工学院人才引进项目(2010XJRCW04)

摘　　要：金融支持对于促进农地流转,实现农地规模经营,加快现代农业发展,提高农地生产率具有重要意义。农地转入面积越大,所需资金投入越多。原来的自给自足或民间借贷难以满足农地规模经营的资金需求,需要正规金融支持。而目前农地流转中金融供给和支持力度不足,不能满足农地流转对金融服务的需求,金融抑制现象严重,制约了农地流转进程,急需金融创新。通过农户、新型农业经营主体问卷调查和政府部门访谈,运用供求理论、金融抑制和金融深化理论分析了L市农村金融供求现状,发现L市农村地区金融供给较少,新型农业经营主体农地流转融资需求旺盛,资金供不应求矛盾突出,资金配置效率不高,金融抑制现象较为严重,主要表现为农业贷款供需缺口严重、涉农金融产品品种少、农业经营者融资困难、融资成本高,农村金融有效供给不足。在此基础上,从政府、金融机构、中介服务三方面提出了金融创新推进农地流转的建议:完善农村金融机构体系,增加金融供给;创新涉农信贷产品品种和服务,满足多样金融需求;制定优惠政策,降低融资成本;完善农地贷款抵押担保体系,分散信贷风险。Financial support is important to promote agricultural land transfer, realize agricultural land scale operation, accelerate modern agriculture development, and increase agricultural land productivity. The more agricultural land area is transferred in, the more capital investment is required. It is difficult for the original self-sufficiency or private loan to meet capital demand of agricultural land scale operation, which requires regular financial support. However, financial supply and support is insufficient currently. It cannot meet the demand for agricultural land transfer financial services. Financial repression is serious, which restricts agricultural land transfer process. Financial innovation is needed urgently. Through questionnaires of farmers and new agricultural business entities and interviews with government departments, this paper analyzes present situation of financial supply and demand in L city by using supply and demand theory and financial deepening theory. It is found that financial supply is insufficient in L city, new agricultural business entities capital demand is numerous, capital is in short supply, and capital allocation efficiency is not high. Financial repression is more serious, such as a serious gap between supply and demand of agricultural loans, fewer varieties of financial products, difficult financing and high financing costs to the agricultural operators, lack of effective supply of rural finance. Based on the survey, it proposes some financial innovation proposals to the government departments, financial institutions and intermediary services to promote agricultural land transfer, such as improving financial institution system in rural areas to increase financial supply, innovating agricultural loan products and services to meet diverse needs, formulating preferential policies to reduce loan costs and improving agricultural land mortgage guarantee system to disperse credit risk.

关 键 词：农地流转 金融供求 金融抑制 金融创新 

分 类 号：F832[经济管理—金融学]