基于农户信贷供求的我国农村金融体系的完善

发布时间：2018-10-29 09:12

【摘要】：建设社会主义新农村战略的实施,离不开金融体系的大力支持和助推。我国作为世界上最大的发展中国家,农业、农村经济和农民问题始终是经济发展中的重要问题。我国现行的农村金融组织包括政策性金融组织、商业性金融组织和合作金融性金融组织。从表面上看,这种农村多层次的农村金融组织制度安排能够满足农业和农村经济发展的资金需求,但是从现有农村金融组织的实际运作来看,现有农村金融组织的发展越来越偏离甚至背离其预期轨道。如何改革农村金融体系,实现金融市场供求均衡,是摆在我们面前要研究解决的重要课题,对于促进农业增长、农民增收,推进社会主义新农村建设具有非常重要的意义。
[Abstract]:The implementation of the strategy of building a new socialist countryside can not be separated from the vigorous support and promotion of the financial system. As the largest developing country in the world, the problems of agriculture, rural economy and farmers are always important issues in the economic development of China. The current rural financial organizations in China include policy-oriented financial organizations, commercial financial organizations and cooperative financial organizations. On the face of it, this kind of multi-level rural financial organization system arrangement can meet the financial needs of agriculture and rural economic development, but from the actual operation of the existing rural financial organizations, The development of the existing rural financial organizations deviates from or even deviates from its expected track. How to reform the rural financial system and realize the balance of supply and demand in the financial market is an important subject to be studied and solved in front of us. It is of great significance to promote the growth of agriculture, increase the income of farmers and promote the construction of new socialist countryside.
【作者单位】：山东财经大学研究生部、金融学院;山东科技大学经管学院;
【基金】：山东省金融学会2011年度重点研究课题“基于农户信贷需求的农村新型金融体系改革研究—以山东省为例”(第28号) 山东省自然基金项目“基于制度均衡视角的山东省农村金融制度变迁与创新研究”(2009HL017) 山东省科技攻关课题“基于经济资本的商业银行内部控制研究”(2010G0020809)的资助
【分类号】：F832.43

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