我国农村金融体系存在的问题及完善对策

发布时间：2018-10-12 14:18

【摘要】：党的十八届三中全会突破性地提出了全面深化改革的全新发展理念,深化农村改革是中央全面深化改革的一项重要内容,是推动农村经济及"三农"发展的重要手段,一个健全完善的农村金融体系能够提供强有力的支撑。但是,我国农村金融体系仍然存在很多矛盾和问题,农村金融机构功能配置不合理、农村金融市场存在诸多缺陷、农村金融监管效率低下、农村金融生态环境较差,这些都影响了农村金融体系作用的发挥。因此,在推进农村改革的进程中,应从建立多元共生的农村金融机构体系、多层次的农村金融市场体系、层次分明的农村金融监管体系以及优化农村金融生态环境体系等方面出发,不断完善我国农村金融体系,为"三农"发展提供强有力的金融支持。
[Abstract]:The third Plenary session of the 18th Central Committee of the Communist Party of China has put forward a new development concept of deepening the reform in an all-round way. Deepening rural reform is an important part of the central comprehensive deepening of the reform and an important means to promote the development of the rural economy and the "three rural areas". A sound rural financial system can provide strong support. However, there are still many contradictions and problems in our country's rural financial system. The function of rural financial institutions is unreasonable, the rural financial market has many defects, the efficiency of rural financial supervision is low, and the rural financial ecological environment is poor. These all affected the function of rural financial system. Therefore, in the process of promoting rural reform, we should start with the establishment of a pluralistic rural financial institution system and a multi-level rural financial market system. Starting from the distinct rural financial supervision system and the optimization of the rural financial ecological environment system, the rural financial system of our country has been continuously improved to provide strong financial support for the development of "three rural areas".
【作者单位】：哈尔滨商业大学金融学院;
【基金】：2016年度国家社科基金一般项目“农地改革背景下的农村金融服务创新与风险控制研究”(16BJL037) 黑龙江省应用技术研究与开发计划项目“黑龙江省农业科技创新的金融支持研究”(GC14D206)
【分类号】：F832.35

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