摘要
新农村建设是我国非均衡协同发展战略的战略重点之一,主要目的是通过提高农村生产力水平来解决"三农"问题。农村中小银行机构可通过提供资金支持以增加农村资本积累和对农村资源进行有效配置来提高农村生产力水平。对新农村建设的金融支持和农村存在的多重均衡性要求我国农村中小银行机构应发展为一个功能定位清晰、具有地方特色的、能提供商业性和合作性金融业务的多层次的银行机构体系。具体措施包括通过省联社的转型整合省级行政区内的农村合作金融体系;农村信用社主要向农村合作银行转变并突破县域经营的限制;村镇银行与农村信用社的经营区域不应完全重叠,以使两者保持适度竞争;农村资金互助社应依托农业专业合作经济组织设立,使农村经济合作组织与农村信用合作组织同构与共生。
Building up rural areas is one strategic focus of non-balanced synergic development strategy, which is to solve the problems about farmers, agriculture and rural areas by enhancing rural productivity. To promote rural productivity, small and medium-sized rural banking institutions can help increase rural capital accumulation and allocate rural resources effectively by providing financial supports. The financial supports on new rural construction and the multiple equilibrium in rural areas urge the small and medium-sized banking institutions in rural areas to develop into a multi-level banking system which has clear functional position, local characteristics, and can provide commercial and cooperative financial business. Hence, this paper proposes the following specific measures. First, rural cooperative financial system should be integrated within provincial administrative districts through a transition of provincial rural credit cooperatives unions. Second, rura.1 credit cooperatives should be mainly turned into rural cooperative banks and their 'operation should break county restrictions. Third, rural banks and rural credit cooperatives should not be completely overlapping in operating regions in order to maintain moderate competition. Fourth, rural capital mutual aid organizations should be based on agriculture specialized cooperative economic organizations so that rural economic cooperative organizations and rural credit cooperative organizations can be isomorphic and coexistent.
出处
《江西财经大学学报》
CSSCI
北大核心
2009年第3期33-38,共6页
Journal of Jiangxi University of Finance and Economics
基金
国家社会科学基金重点项目"我国地方中小金融机构发展研究"(04AJY007)
关键词
新农村建设
农村银行机构
多重均衡
合作性金融
商业性金融
new rural construction
rural banking institutions
multiple equilibrium
cooperative finance
commercial finance