农村经济中的农村金融改革思考

On the Finance Reform in Rural Economy

农村经济发展滞后 ,农民收入增长缓慢 ,已成为现阶段我国国民经济发展的主要制约性因素。农村金融体系是现代农业与农村经济的核心。当前 ,我国农村金融体系存在着资金倒挂、功能缺失等方面的严重问题。“贷款难 ,融资难”已成为我国农村经济发展的瓶颈问题。所以 ,政府从政策上、经济上加大对农村金融机构的扶持 ,实施有效保护 ,建立健全符合农村经济发展要求的多层次的农村金融体系 ,应该是当前金融改革的重要内容 ,也是切实解决“三农”

The slow increase of rural economy and farmers' income has been the main restrictive factor for the development of national economy at present stage. The rural financial system is the core of modern agriculture and rural economy. Some serious problem exists in the rural financial system nowadays, such as insufficient funds, incomplete functions etc. The difficulty of loan and circulation of funds has become the bottleneck for the development of rural economy. So the government should strengthen its support to rural financial institutes in the policy and the economy, implement effective protection and set up a sound rural financial system conforming to the requirements of rural economy development, which should be the main part of rural finance reform and the key part to solve the agriculture problems.