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本文以我国中部农业大省河南省的平顶山市农业贷款总量、经济效应和制约因素为研究对象,实证分析如下重要命题:第一,农业贷款是同时解决农村经济发展和农村地区金融机构低效益问题的双赢解,而不仅仅是金融机构的“政策性义务”;第二,从经济自发增长角度看,农业贷款是理性经济人的最优决策,而不是行政扭曲,因而其拉动经济增长的效应是显著的;第三,目前制约农业贷款总量扩张的主要是风险管理手段不足和体制性资金外流,而不是资金匮乏。
This paper takes the total amount of agricultural loans, economic effects and constraints of Pingdingshan City as the research object in the Pingdingshan City, Henan Province, a large agricultural province in central China. The empirical analysis is as follows: First, agricultural loans are the solution to rural economic development and low efficiency of financial institutions in rural areas Second, from the point of view of spontaneous economic growth, agricultural loans are the optimal decision-making for rational economic agents rather than administrative distortions. Therefore, it drives the economic growth Effect is significant; Third, the main constraints to the expansion of agricultural loans is mainly the lack of risk management tools and institutional outflow of funds, rather than lack of funds.