我国农村金融现状与发展对策研究

我国农村金融组织体系包括正规性金融组织与非正规性金融组织两大类。目前它存在诸多问题,如四大国有商业银行正在淡出农村金融市场、农发行的政策性金融功能弱化、合作金融的“互助共济”性的缺失及非正规金融组织中的高利贷。现阶段为了适应农村经济发展新形势的客观需要,必须建立以政策性金融组织为基础、合作金融组织为主导、商业金融为发展方向的分工协作的农村金融组织新体系。

Present State and Development Strategy of China Rural Finance

The rural finance organization system of our country includes regularized financial organization and non-regularized organization. Many issues emerged in its operation such as withdraw of the four national commercial banks from the rural financial market, lack of mutual aid and cooperation in cooperative finance and usury in non-regularized financial organization. A new system of rural financial organization must be established on the foundation of policy-based financial organization with the leading position of cooperative financial organization and in the direction of commercial finance development in order to meet with the needs of new situation in the development of rural economy.