乡村银行及其对发展我国新型农村金融组织的启示

乡村银行具有金融的合作性、契约性、内生性、公益性等特点，我国以新农村建设为契机，以农村社区为单位，建立了各种形式的新型农村金融组织，为农村居民提供小额贷款。文章通过总结世界各国乡村银行的经验，结合我国特殊的国情和条件，分析了乡村银行的运行特点，揭示了我国新型农村金融组织发展的障碍，提出了新型农村金融组织的发展路径，认为我国新农村建设为乡村银行创造了发展机遇，要根据我国农村实际情况，创新农村特色的贷款管理和服务方式，切实发挥好其特殊的职能作用。

Enlightenment of Country Bank: on How to Develop Rural Financial Organizations in China

Success of country bank has been achieved in many places of the world, for it orients to being cooperative, contractual, endogenous and common interest. This article discusses on how to construct rural banks in China. It should be borrowed from the successful experience of other countries, combined with particular characteristics of China＇s New Rural Construction. New policies are proposed to manage and guarantee the loaning of country banks.