프랑스 농업협동조합은행의 농업정책금융에 관한 연구

Abstract

Focusing on the role of Crédit Agricole, French agricultural cooperative bank, this paper describes the finance system of agricultural policy. France eliminated the authority of the cooperative bank that had monopolized the financing of agricultural policy until the late 1980’s. Nevertheless, the French agricultural cooperative bank still takes a lead in financing of agricultural policy. Although the Republic of Korea also expanded the agriculture banking system to include general banks, other banks than the Agricultural Cooperative have played minimal roles in dealing with agricultural loans. Some argue that a Public Institution that specializes in agricultural financing should be established. However, such a public entity is unnecessary, given the diminishing role of the government in financing agricultural policy. The French Crédit Agricole’s advantages in the field of agricultural policy finance may be found in its historical role in agricultural loan services, a professional system of agricultural policy finance, and farmers’ easy accessibility to its loan services. For the purpose of fostering professionalism and the agricultural policy finance system, first, it is necessary to reinforce the loan assessment roles, to provide agricultural management consulting and professional education services to farmers, and to develop and disseminate an agricultural accounting system. The Republic of Korea needs to reform the agricultural loan system that distorts the distributive function of the banking institutions. It is necessary for the Korean Agricultural Cooperative to develop its professionalism for assessing farmers’ capacity for maintaining a good credit record.