农村金融制度安排的二元化发展模式探讨

发布时间：2018-11-02 17:00

【摘要】：经过30多年改革开放,中国农村经济已经取得了巨大进步,当前正处在从效率农业向规模农业转轨的关键时刻。然而,在农村经济体制改革不断深化的同时,农村经济发展对融资的刚性需求与现有农村金融市场的发展速度不相协调,农户有效的金融需要与金融供给严重不平衡的矛盾日益显著,在支持农村经济发展、满足农村金融需求、深化农村金融体制改革、健全涉农金融服务机制等方面暴露出许多缺陷。而以往的讨论多注重于如何完善农村中的金融机构,忽视了对如何健全农村金融服务功能的探讨。本文拟从构建和谐的支农金融功能入手,用二元化发展模式,即机构发展模式和自助式发展模式并举的办法,构建符合农村经济发展的金融服务新模式,并就如何加强农村金融服务体系建设和发展农民自助式金融服务等问题提出了相关建议。
[Abstract]:After more than 30 years of reform and opening up, China's rural economy has made great progress, and is at a critical moment from efficiency agriculture to scale agriculture. However, with the deepening of the reform of the rural economic system, the rigid demand for financing in rural economic development does not coordinate with the speed of development of the existing rural financial market. The contradiction between the rural households' effective financial needs and the serious imbalance of financial supply is becoming more and more obvious. In order to support the development of rural economy, meet the needs of rural finance, and deepen the reform of rural financial system, Perfecting the agricultural financial service mechanism and so on exposed many defects. Previous discussions have focused on how to improve the rural financial institutions, ignoring the discussion of how to improve the rural financial services. This paper starts with the construction of harmonious function of supporting agriculture finance, and sets up a new model of financial service in line with the development of rural economy by means of dual development mode, that is, institution development mode and self-help development mode. Some suggestions are put forward on how to strengthen the construction of rural financial service system and how to develop peasant self-service financial service.
【作者单位】：三峡大学经济与管理学院;
【分类号】：F832.35

【共引文献】