小额贷款公司参与订单农业问题及发展对策.docVIP

小额贷款公司参与订单农业问题及发展对策 　　摘要 近年来，为了地更好解决三农问题，发展农村金融，减小城乡收入差距，小额贷款公司、订单农业等新兴概念被相继引入。小额贷款公司是由自然人、企业法人和其他社会组织投资设立，不吸收公众存款，经营小额贷款业务的有限责任公司或股份有限公司。订单农业是指农户根据其本身或所存在乡村组织同农产品的购买者之间签订订单，组织安排农产品生产的一种农产品产销模式。为了充分发挥小额贷款公司为农户提供资金服务的功能以及订单农业规避价格风险的优势，越来越多的小额贷款公司参与到了订单农业中。然而，由于小额贷款公司和订单农业本身在我国发展很不成熟，小额贷款公司参与订单农业这一业务领域也存在很多问题。笔者就小额贷款公司参与订单农业的问题及对策提出了建议和见解。 　　关键词 小额贷款公司 订单农业 资金支持 　　中图分类号：F323文献标识码：Ａ 　　 　　Problems and Development Countermeasures of Small 　　Loan Company into Contract Farming 　　FAN Xinyu 　　(Business School of Hunan Normal University, Changsha, Hunan 410081) 　　AbstractIn recent years, in order to better solve problems faced by agriculture, rural areas, and farmers, develop rural finance and narrow the urban-rural income gap; the emerging concepts of small loan company, contract farming and the like have been successively brought in. A small loan company is a limited liability company or the company limited by shares, invested by natural person, legal person of enterprise and other social organizations, carrying on small loan business without absorbing public savings. Contract farming is a production and sale pattern of agricultural products on the basis of the orders signed by farmer or its rural organization and the purchaser. To make full use of advantages of small loan company in offering fund service and contract farming in risk avoidance of price, a growing number of small loan companies participate in contract farming. However, as the development of small loan company and contract farming remains immature in our country, many problems appeared. The present writer provides opinions and suggestions in terms of small loan companys participation in contract farming. 　　Key wordssmall loan company; contract farming; fund support 　　 　　1 小额贷款公司参与订单农业的背景、现状 　　1.1 小额贷款公司参与订单农业的背景 　　我国有近14亿人口，其中农村人口占全部人口数量的62%。农业、农村、农民问题是关系国计民生的重大问题。只有充分发挥农业在国民经济中的基础作用，积极维护农村各方面秩序的稳定，切实提高农民经济文化水平，我国改革开放和社会主义现代化建设才能步入更加快速的发展阶段，亦即“农业强则国强，农村稳则国稳，农民富则国富。” 　　改革开放以来，尽管我国农村改革取得了万众瞩目的成就