新型农村金融体系与农村信用合作

The New Type of Rural Financial System and Rural Credit Cooperatives

农户和农村中小企业贷款难成为制约农村经济发展的重要因素。为此,笔者在广泛搜集资料和参与调研的基础上,分析了国外和中国台湾地区农村金融服务体制以及历史文化环境,从各国政府对农村金融的支持逐步从参与金融活动转变为更加重视运用法律手段和经济政策,阐述了中国发展和扶持农村合作金融的必要性,勾画了中国新型农村金融服务体系的框架,并结合中国实际就发展农村合作金融提出了对策建议。

Farm house holds and small-sized enterprises in rural areas find it difficult to get loans.It becomes the important limitation element of rural economy development.Therefore,the article analyzed the system and historical cultural condition of the rural financial system in foreign countries and Taiwan province of China by widely resources collection and investigation.According to the attitude changes of different governments from participating the financial activities converted to using more legal and economic policy measures in the process of develop the rural finance,to elaborate the necessity of developing and supporting the rural financial cooperatives in China.This paper also outlined the framework of new type rural financial service system in China,and finally offered practical suggestions and solutions on how to develop the rural cooperative finance in the specific situations in China.