苗栗縣南龍區漁會執行政策性農業專案貸款研究

漁會是台灣最重要漁民組織團體，也是政府與漁民間溝通的重要橋梁，包含1個全國性的及39個區漁會，我國共有40個漁會，其中設有信用部28家。漁會是公益法人，盈餘的75%必須回饋服務社會。若從資金面來分析，配合政府推動農漁業政策、提高農村經濟生活水準及促進農村產業發展為首要考量目標。政策性農業專案貸款款解決農、漁民在生活、生產、擴展設備所需資金，農、漁村金融資金流通，活絡農、漁村經濟發展。政策性農業專案貸款項目政府藉其導引農、漁村資金流向，導向政府所希望達到農業政策目標效果前進，亦是政府照顧農、漁民，促進農、漁業發展最直接有效的方法。農業金融法第9條農業金融機構對農業用途之放款，應優先承作；對擔保能力不足之農民或農業企業機構，應協助送請農業信用保證機構保證。漁會累積淨值不易，唯一方法就是盈餘分配，每年提撥百分之五十。由於漁會信用部淨值偏低，以致經營不易，信用部改善經營體質，強化本身經營條件，增加淨值才能提升競爭能力。本研究採質性研究方法，提出以下研究結果發現及建議： 1. 政策性農業專案貸款補貼利息收入，提列公積以厚植信用部淨值。 2. 農、漁民辦理農機貸款與漁機貸款利率不一致。 3. 農家綜合貸款改為可借新還舊方式貸放，較能符合農漁民實際需求。 4. 青年從農創業貸款應改為新進農民創業貸款，方能符合實際需求。 5. 增加政策性農業專案貸款預算，發揮槓桿原理，加強推動政府農漁業政策促進農漁業發展。 6. 簡化貸款程序、檢附相關文件及手續。

關鍵字

政策性農業專案貸款；漁會；信用部；質性研究；淨值

並列摘要

The Fisheries Association is the most important fishermen's organization group in Taiwan. It is also an important bridge between the government and the fishermen. It includes a national and 39 regional fisheries club. There are 40 fishing clubs in China, including 28 credit departments. The fishery club is a public interest corporation, and 75% of the surplus must be returned to the service society. If we analyze from the perspective of funds, we should cooperate with the government to promote agricultural and fishery policies, improve the standard of rural economic living and promote the development of rural industries as the primary consideration. The project farmer loan solves the funds needed for the farmers, fishermen to live, produce and expand equipment, the financial funds of the farmers and fishing villages, and the economic development of the farmers and fishing villages. The project agricultural loan project government guides the flow of funds from farmers and fishing villages, and guides the government's desire to achieve the goal of agricultural policy. It is also the most direct and effective way for the government to take care of farmers and fishermen and promote the development of agriculture and fisheries. Article 9 of the Agricultural Finance Law The agricultural financial institutions shall give priority to lending for agricultural purposes; farmers or agricultural enterprise institutions with insufficient guarantee capacity shall be assisted by the Agricultural Credit Guarantee Agency. It is not easy for the fishery to accumulate net worth. The only way is to allocate surplus, which is 50% per year. Due to the low net value of the Fisheries Department's credit department, it is not easy to operate. The credit department improves its operational quality, strengthens its own operating conditions, and increases its net worth to enhance its competitiveness. The research method of the research on the quality of the research, the following findings and recommendations: 1. The project agricultural subsidy subsidizes the interest income, and the public reserve is used to increase the net value of the Ministry of Credit. 2. The interest rates of agricultural machinery and fishermen handling agricultural machinery loans and fishing machine loans are inconsistent. 3. The farmer's comprehensive loan can be loaned to the new and old ways, which is more in line with the actual needs of farmers and fishermen. 4. Young people’s entrepreneurial loans should be changed to new farmers’ entrepreneurial loans in order to meet actual needs. 5. Increase the budget for project agricultural loans, leverage the principle of leverage, and strengthen the government's agricultural and fishery policies to promote the development of agriculture and fisheries. 6. Simplify loan procedures, attach relevant documents and procedures.