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作为市场经济发展到一定阶段的产物,在多数发达国家和地区,农地金融在整个金融机构信贷总额中占较大比重,但我国起步较晚。农业的弱质性、农业保险的缺失及农村社会保障制度的不健全决定了在全国范围内统一推行农地金融制度不切实际,结合目前中国农地金融存在的制度困境以及各地农地金融制度创新的经验,选择“先行先试”的路径设计农地金融制度成为必然。
As a product of the development of a market economy to a certain stage, in most developed countries and regions, agricultural land finance accounts for a large proportion of the total credit of financial institutions, but our country started late. The weakness of agriculture, the lack of agricultural insurance and the imperfection of the rural social security system make it unrealistic to unify the implementation of the rural land financial system across the country. Combining with the current institutional dilemma of agricultural land finance in China and the agricultural land finance system Innovative experience, the choice of “first try” approach to design agricultural land finance system has become inevitable.