德国、美国农村土地金融的经验与启示  

Experience and Enlightenment of Rural Land Finance in Germany and the United States

作　　者：耿传辉[1,2] GENG Chuan-hui(Scientific Research Office,Changchun Finance College,Changchun 130028,China;Jilin Rural Financial Reform Research Center,Changchun 130028,China)

机构地区：[1]长春金融高等专科学校科研处,吉林长春130028 [2]吉林省农村金融改革研究中心,吉林长春130028

出　　处：《长春金融高等专科学校学报》2018年第4期67-72,共6页Journal of Changchun Finance College

基　　金：2017吉林省智库招标项目(20170301);2017公主岭市政府横向委托项目(20170606)

摘　　要：德国、美国是农村土地金融发展比较典型的发达国家,德国农村土地金融是以合作金融结合政府信用保障的模式;美国农村土地金融是以金融市场为主导,商业性金融与政策性金融并重的模式。农村土地金融的快速发展极大地促进了这两个国家农业的发展。我国可以借鉴其成熟的经验做法,充分发挥有为政府的作用,积极发展真正意义的农村合作金融,同时结合我国的国情与后发优势,加快我国土地金融的快速发展。Germany and the United States are the typical developed countries in the rural land finance development.The rural land finance in Germany is the mode of combining the cooperative finance with the government credit guarantee,and the rural land finance in the United States is the mode dominated by the financial market,the commercial finance and the policy finance.The rapid development of rural land finance has greatly promoted the development of agriculture in these two countries.Our country can draw on its mature experience and practice,give full play to the role of the government,and actively develop the real meaning of rural cooperative finance.At the same time,we can accelerate the rapid development of China's land finance by combining the national conditions and the advantages of our country.

关 键 词：农村土地金融 土地抵押 合作金融体系 农村政策性金融 

分 类 号：F832[经济管理—金融学] F301