농업종합자금의 실태분석과 발전방향

초록

This study aims to provide guidelines for Integrated Agricultural Policy Loans(IAPL) to meet the new agricultural policy paradigm and financial deregulation. This study evaluates the performance of IAPL based on survey data from IAPL lenders and provides guidelines for IAPL based on financial theory. The results show that IAPL has been successful compared with other policy loans and may be expanded with some supplemental efforts. The guidelines includes incentives to reward business and financial risks that differ from individual borrowers and term structure. In addition, consulting services in production, marketing, and financial management are required to better meet the policy goals and improve the efficiency of IAPL.

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