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我国农村经济发展到现阶段,农村金融已成为农村经济发展的决定性因素之一。然而农民融资难、融资贵问题却成为加快农村经济发展的一大瓶颈。为突破这一瓶颈,吉林省率先实施土地收益保障贷款惠农政策,并取得了良好效果。为了解这项政策的运行现状,选定该政策的试点吉林省四平市蔡家镇为调研地,采用访谈和问卷调查的方式进行调研。在阐述土地收益保障贷款的基本概念、运行模式以及对这一政策进行详细说明的基础上,以四平市蔡家镇案例为基础对土地收益保障贷款业务开展的现状进行分析,并针对调研过程中发现的问题,对政策施行提供建议。
At the present stage of the development of rural economy in our country, rural finance has become one of the decisive factors in the rural economic development. However, it is difficult for peasants to raise funds and financing problems. However, it has become a major bottleneck in accelerating rural economic development. In order to break through this bottleneck, Jilin Province took the lead in implementing the policy of benefiting farmers through land revenue guarantee loans and achieved good results. In order to understand the operation status of this policy, Caijia Town, a pilot of the policy, was selected as the research site of the policy and conducted interviews and questionnaires. On the basis of elaborating the basic concept and operating mode of land revenue guarantee loan and the detailed description of this policy, this paper analyzes the status quo of land revenue guarantee loan business based on the case of Caijia Town in Siping City. In the process of investigation Found problems, provide advice on policy implementation.