農業金融改革

The Reform of Agricultural Financial System in Taiwan

自民國八十年代以來，由於我國金融市場自由化、國際化程度日深，金融業競爭日益激烈，加上房地產及農地價格顯著下降，經濟發展遲緩，農、漁會信用部之經營漸形困難。至九十一年六月底，全體農、漁會信用部之平均逾放比率已分別達21.5%及17.5%。農、漁會信用部經營困難已對農、漁會之經營造成重大衝擊，農業部門與農、漁會均積極主張要改革農業金融，使得農、漁會與農業能健全發展，進而促進農民與全民之福利。農、漁會雖認為農業金融企需改革，然而，對政府農業金融改革的部分作法不表贊同，並組成全國農漁會自救會來推動其所主張的農業金融改革。本文主要目的在於分析當前農業金融改革的問題，並建議如何進行農業金融改革。

Since the 1980s, due to the liberalization of the financial market andthe increasing degree of internalization, the competition within thefinancial industry in Taiwan has become more intense. While in the 1990s,the stagnation of the real estate market and the slow down of theeconomic growth has made the management of the farm and fisherycredit unions more difficult. Although the farm and fishery credit unionssupport the reform and seeking assistance from the government toovercome these difficulties, they however disagree on some of the reformpolicy and measurement. The purpose of this paper is to analyze thecurrent policy reform, focus on the recent disagreement between thecredit unions and the government, and make recommendations for thefuture reform.