強化農業信用保證機制之分析

An Analysis of Enhancing the Mechanism of Agricultural Credit Guarantee System

王瑜琳(Yu-Lin Wang) ； 林啟淵(Chi-Yuan Lin)

《農業經濟叢刊》 7卷2期 (2002/06) Pp. 207-229

https://doi.org/10.6196/TAER.2002.7.2.4

摘要

本文針對台灣農業信用保證制度的實施做一回顧與檢討，並參酌美國農家信用管理局辦理保證貸款的成功經驗，提出強化我國農業信用保證機制與功能的建議。文中歸納農業信用保證機制的問題在於資金不足、參與機構受限、保證貸款品質日趨惡化、代位清償大幅增加等方面。建議將農業信用保證擴及一般銀行的農業貸款，並防範「道德危機」問題；保證機制的設計應有效降低貸款風險。此外，農業信用保證制度的內容應能反映農業經濟環境的變化，亦能呼應我國未來的農業發展方向。

關鍵字

農業信用保證 ； 保證貸款 ； 道德危機

並列摘要

This paper intends to evaluate the overall performance of the agricultural credit guarantee system in Taiwan. We review the successful experience of loan guarantee programs provided by the Farm Service Agency in the U.S. and propose policy suggestions for enhancing the mechanism and performance of the agricultural credit guarantee system in Taiwan. The main concerns of this system can be summarized into: the shortage of its funding, limited participation of banks, worse quality of guaranteed loans, and the increase of delinquent loans. We suggest to encourage the participation of banks in the system, and to avoid the problem of moral hazard as well. We also suggest the mechanism should be designed to reduce the risk of guaranteed loans. In addition, our loan guarantee programs should be consistent with the trend of changing agricultural economic environment and the future development of agriculture in Taiwan.

並列關鍵字

Agricultural Credit Guarantee ； Guaranteed Loans ； Moral Hazard

參考文獻

U. S. Department of Agriculture(1999).Agricultural Income and Finance: Situation and Outlook Report.Washington, D. C.:U. S. Department of Agriculture.

中國農民銀行(1991)。臺灣地區專營兼辦農貸機構貸款數額統計表。臺北:中國農民銀行。

王瑜琳 Wang, Yu-Lin、 林啟淵 Lin, Chi-Yuan()。,未出版。

徐明壽(1991)。美國農業金融之研究：兼論臺灣農業金融問題與改進之道。南投縣:基層金融研究訓練中心。

財團法人農業信用保證基金(1991)。財團法人農業信用保證基金年報。臺北:財團法人農業信用保證基金。