西部大开发十年农村金融发展比较——基于五个自治区的分析

农村金融对农业经济发展起着至关重要的支持作用，文章从农村居民人均纯收入、农业存贷款及乡镇企业贷款、农村金融机构、涉农证券业、农业保险五个方面分析了西部大开发十年我国五个自治区农村金融的发展情况。通过分析发现：①农村居民人均纯收入翻番，生活水平明显提高；②农业存贷款比重逐年加大，乡镇企业贷款严重萎缩；③农村金融机构建设步伐加快，金融体系进一步完善；④涉农证券业稳步发展，融资能力不断增强；⑤农业保险试点工作进展顺利，效果明显。在西部各自治区农村金融发展取得较大成绩的同时，还存在一些亟待解决的问题，并就自治区农村金融发展的实际情况提出了一些建议。

Comparative Analysis on Rural Finance Development during the First Decade of Grand Western Development Program --Based on the five Minority Regions in Western China

Rural finance has played a vital role to agricultural economic development. From the following Five aspects, per capita net income of peasants, agricultural deposits and loans as well as loans to township enterprises, rural financial institutions, analyses the development of rural agricuhure-related securities industry and agricultural insurance, this article finance of the five minority regions in Western China during the first decade of the grand western development program. The analysis shows that： ①Per capita net income of peasants was doubling and their living standards had obviously improved. ②The proportion of deposits and loans in agriculture increased year by year, but the loans for township enterprises decreased rapidly. ③The construction of rural financial institutions developed speedily, so financial system had further improved. ④The development of agriculture-related securities ran steadily, and the capacity of finance enhanced. ⑤The pilot work of agricultural insurance ran well. Though rural finance of the minority regions in Western China has made great achievements, there are still some problems need to be solved. This article put forwards some proposals of how to solve these oroblems.