从“国退民进”看农村金融的症结与出路

Viewing the Crus and Outlet of the Rural Finance from the Phenomenon of "the Withdrawal of National Finance Institutions and the Entry of Private Finance Institutions"

通过对农村金融情况的调查发现,当前农户贷款来源中民间借贷逐步占据了主要地位,正规金融机构提供的金融服务比重下降。农村金融中这种"国退民进"的现象启示我们,要从根本上解决农村金融的问题,一是要建立适应农村需求的微观机制灵活的金融组织,这一点是国有金融机构需要从民间金融身上借鉴的,但这样的金融组织不应该局限于国有金融机构;二是从政策和制度上帮助商业金融机构降低从事农村金融业务的交易成本和风险。

The investigation on rural finance tells that civil debt and credit,instead of the financial service from state organizations,has played a chief role.It's made out from such a reduction and an increase meanwhile that two special ways can be applied to solve the village financial problems.Firstly,the micro and flexible financial organizations suitable to villages' demands should be set up.The state financial and furthermore,such organizations are not supposed to be limited in the domain of state.Secondly,relative policies and systems should be laid down to help those commercial and financial units to decrease the exchange cost with much less risk in village financial dealing.