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本文认为当前农民贷款难是信贷市场基于信息不对称条件下信贷配给的结果,是市场规律的正常反应。提出以农民获得的财政补贴为担保建立农民基本信贷保障制度,并通过对财政直补用于担保的可行性、发放信用补贴的必要性以及制度运行过程中可能遇到的风险进行系统分析,论证了以财政补贴担保建立农民基本信贷保障制度的可行性。
This paper argues that it is difficult for the current peasants to loan loans as a result of credit rationing under the condition of asymmetric information in the credit market and is a normal response to market rules. It puts forward that we should establish the guarantee system of peasants’ basic credit with the financial subsidies obtained by peasants as a guarantee and systematically analyze and prove the necessity of applying credit subsidy and the risks that may be encountered during the operation of the system through the direct subsidy for finance, The feasibility of establishing a guarantee system of peasants’ basic credit with financial subsidies is guaranteed.