효율적인 농업정책자금 이차보전 운용방안 연구

Abstract

The agricultural policy loan interest subsidy scheme can be described as an efficient system that can enforce policy projects without direct insertion of the government's financial funds. Inappropriate operation of such a system creates confusion in the government’s policy objectives and is highly likely to lead to various problems in implementation of policy projects for agricultural workers by financial institutions that handle agricultural policy loans. It is most important to seek measures to apply the weighted average interest rate of all loans of financial institution as the benchmark rate for interest subsidies by actualizing the idea of a benchmark rate for interest subsidies. In order to achieve this, the first priority should be to gradually change the benchmark rate for interest subsidies from only collateral loans of agricultural cooperatives to all loans including credit loans. Moreover, regarding mutual financial loans that are financed by policy funds of primary agricultural cooperatives, benchmark rates should reflect fundraising costs of primary agricultural cooperatives and not the National Agricultural Cooperative Federation. The agricultural policy loan interest subsidies scheme must be reorganized to ensure that policy objectives of agricultural policy loans can be easily achieved, and financial institutions that handle agricultural policy loans should be equipped with efficient support services and systems for agricultural workers through appropriate compensation.