基于国外经验的中国农村金融发展路径与对策分析

发布时间：2018-02-27 16:31

本文关键词： 国外经验农村金融市场发展路径政府主导政府退出　出处：《理论探讨》2017年02期 　论文类型：期刊论文

【摘要】：在分析发达国家农村金融市场发展模式和经验的基础上,提出我国农村金融市场发展的具体路径和相应的对策建议。无论是美国的市场主导型、日本的政府主导型,还是法国的政府与市场共同主导型,发达国家的农村金融市场都主要由政策性金融机构、合作银行体系和农业保险等三个部分构成,并且政府和市场的关系一直处于不断地调整过程中。基于这些经验和我国农村金融市场发展的现状,我国农村金融市场的发展应该遵循如下路径:首先是政府主导下优先发展政策性金融机构,其次是政府引导下不断壮大合作银行体系和农业保险,最后是政府退出后由市场主导农村金融市场的发展。
[Abstract]:Based on the analysis of the development mode and experience of the rural financial market in developed countries, the paper puts forward the specific path and corresponding countermeasures for the development of the rural financial market in China, whether it is the market-oriented type in the United States or the government-led type in Japan. The rural financial markets in developed countries are mainly composed of policy-oriented financial institutions, cooperative banking systems and agricultural insurance. And the relationship between the government and the market has been in the process of continuous adjustment. Based on these experiences and the current situation of the development of rural financial markets in China, The development of China's rural financial market should follow the following paths: first, the government should give priority to the development of policy-oriented financial institutions, and secondly, the government should continue to strengthen the cooperative banking system and agricultural insurance under the guidance of the government. Finally, the development of the rural financial market is dominated by the market after the government exits.
【作者单位】：中南林业科技大学经济学院;
【基金】：湖南省教育科学“十三五”规划2016年度课题“基于CFA证书的国际化金融人才培养模式研究”(XJK016AGD010) 2017年度湖南省社科联智库课题“湖南绿色经济发展对策研究”阶段性成果
【分类号】：F832.35

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