我国农村金融服务现状及发展对策

通过对农村金融服务营业网点的数量、从业人员数量、农村金融机构贷款规模及农村金融服务产品进行分析,发现城市金融的发展程度会影响周边城镇的农村金融服务,而农村金融服务差异化的主要原因是人口差异、地域差异和经济差异。建议增加农村金融机构数量,以期提高农村金融机构的分布密度;政府应加大对农村金融人力资源的投入,提高金融服务机构从业人员的素质;合理配置农村金融存贷款业务,完善我国农村金融服务体系。

Though the analysis of number of rural financial services outlets,number of employees,scale of loans of financial institutions in rural areas and rural financial services products,we find that the degree of development of the city finance will affect the financial service of surrounding towns and rural.The reason of differentiation is that the population differences,regional differences and economic differences.The suggestion is increasing the number of financial institutions in rural areas for improving the distribution of the density of the rural financial institutions;government should increase investment in rural finance human resources and improve the quality of rural finance practitioners,allocate rationally rural financial deposit and loan business,and improve the rural financial service system.