当前我国农村金融面临的现实挑战与发展选择

发布时间：2018-02-01 22:36

本文关键词： 统筹城乡农村金融需求变化发展选择　出处：《农村经济》2012年08期 　论文类型：期刊论文

【摘要】：在统筹城乡与新农村建设的背景下,我国农村金融出现了需求主体的变化、需求内容的变化和需求规模的变化。与此同时,我国农村金融系统仍普遍存在着对农村经济发展资金供给不足、农村储蓄资金外流、金融资源配置失衡、金融产品单一、民间金融不规范等问题,严重影响了农村金融的供给能力。其成因主要是源于农业与商业目标相悖,缺乏农村信用体系。本文认为,要使农村金融稳定持续发展,应该健全农村金融组织和金融支持的主体,推进农村金融产品的创新和金融服务项目,积极完善新型农村金融机构的运行机制,并适时加快农村金融市场规范化改革,强化信用体系建设,为农村金融发展创造良好环境。
[Abstract]:Under the background of planning urban and rural areas and new rural construction, the change of the main body of demand, the change of the content of demand and the change of the scale of demand appear in the rural finance of our country at the same time. There are still some problems in the rural financial system of our country, such as insufficient supply of rural economic development funds, outflow of rural savings funds, unbalanced allocation of financial resources, single financial products, non-standard folk finance and so on. It has seriously affected the supply capacity of rural finance. The main reason is that the agricultural and commercial objectives are contrary to each other and the rural credit system is lacking. This paper believes that it is necessary to make the rural finance develop steadily and sustainably. We should improve the rural financial organizations and the main body of financial support, promote the innovation of rural financial products and financial service projects, and actively improve the new rural financial institutions operating mechanism. We should speed up the standardized reform of rural financial market, strengthen the construction of credit system, and create a good environment for the development of rural finance.
【作者单位】：四川师范大学;
【分类号】：F832.35
【正文快照】： 一、统筹城乡与新农村建设背景下的农村金融发展城乡统筹就是要改变和摈弃过去重城市、轻农村的“城乡分治”观念和做法,通过体制改革和政策调整,削弱并逐步清除城乡之间的樊篱,把解决好“三农”问题放在优先位置,加大对农业的支持和保护。随着城乡统筹的进一步开展和新农村

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