农民专业合作社信贷难成因及对策研究——以广东省为例

CAUSES ANALYSIS OF CREDIT DIFFICULTIES OFFARMER COOPERATIVES AND ITS COUNTERMEASURES——A CASE STUDY OF GUANGDONG PROVINCE

关键词:  农民专业合作社 信贷 金融 对策 广东省

Key words:  farmers' cooperatives  credit  finance  countermeasure  Guangdong province

摘要:

在发展壮大过程中，大多数农民专业合作社会遇到信贷难题。通过对广东省农民专业合作社的调查，得到有效数据，文章从4个方面入手对广东省的农民专业合作社信贷难成因及其对策进行分析。分析结果表明以下几个因素是形成广东省农民专业合作社信贷难的成因：（1）省内农村金融支持与服务供给不足，金融机构的服务产品缺乏多样性； （2）信贷政策与信贷产品无法根据农民专业合作社的特点而随机应变，缺乏创新性产品； （3）政府对农民专业合作社信贷扶持的配套措施落实不到位； （4）农业专业合作社的信用水平有待提升。针对以上引起信贷难的成因，提出应对策略与建议：（1）加强金融支持的供给，优化金融机构服务，保障正规信贷资金到位； （2）针对农民专业合作社的需求层次，创新信贷品种，贴近市场，着力推进农村金融创新与发展； （3）政府部门对农民专业合作社信贷给予充分的支持与鼓励，逐步完善金融支持政策环境； （4）农民专业合作社要主动提升自身水平，增强自身经济实力，提高自身盈利能力，实现可持续发展。

Abstract:

Credit problem is becoming a major issue for the most farmers' cooperatives encountered in the development and growth process. According to the effective data surveyed in Guangdong province, this article analyzed the causes of the farmers' cooperatives credit difficulties from four aspects and propose some countermeasures. The results showed that the following four factors leading to the difficult farmers' cooperatives credit, i.e., insufficient supply of financial support and fewer diversities of service of financial institutions in Guangdong province, the lack of innovative credit products which were not suitable to different farmers' cooperatives,not fully implement of the government support measures to farmers' cooperatives of credit, and the low credit level of agricultural cooperatives. Finally, this article put forward the following countermeasures to solve the problems, such as the sufficient supply of financial support, optimization of the financial institutions' service, the assurance of regular amount of credit funds. In addition, in order to promote the development and degree of innovation of the agricultural finance, it was very necessary to innovate the types of credit products according to the farmers' cooperatives demands. Government should give adequate support and provide encouragement to the credit of farmers' cooperatives and make great effort to improve the policy environment for financial support gradually. Farmers' cooperatives should take their initiative to elevate their credit level, enhance economic strength and improve profitability.