我国县域金融结构的缺陷与优化

The Defects and Optimization of Country Financial Structure in China

我国县域金融供需矛盾导致县域资金供需矛盾突出。从信贷、直接融资、担保、金融体系、保险业内部等几方面看,我国县域金融结构的缺陷均表现为县域金融需求结构与供给结构的严重不对称,主要原因是目前县域金融制度过分抑制与过度市场化并存,既制约了县域经济发展,也制约了县域金融本身的发展进程。优化我国县域金融结构应加快县域金融制度改革,克服过分抑制与过度市场化,同时应改善县域农村金融结构,以满足县域多元化金融需求。

The contradiction between supply and demand of country finance leads to the contradiction between supply and demand of country funds in China. From the perspective of credit, direct financing, guarantee, financial system ,the insurance industry several aspects, the defects of country financial structure in China were shown to be serious asymmetry between the country finance demand structure and supply structure, whose main reason is the county financial system＇s for its coexistence excessive inhibition and exce-zsive marketization. It has restricted the development of county economy,also has restricted the development process of county finance itself. The ,ptimization of China＇ s county financial structure should accelerate county financial system reform, overcome the excessive inhibition and excessive marketization, and improve rural financial structure in counties,in order to meet the diversified financial needs in counties.