我国县域金融状况分析与改革出路

An Analysis of County Finance in China and its Reform

我国县域范围内已经形成商业金融、农村合作金融、政策性金融相结合的金融体系,但由于农村信用社效益欠佳、农业银行大幅收缩、政策性银行业务单一、农村资金外流等原因,使县域资金供求矛盾突出。改革的措施是:在金融体制内,正规金融机构改革与体制创新并重,非正规金融规范与发展并举;在金融体制外,实行农业产业化经营,培育龙头企业发展;明确财政支持方向,提高资金使用效率。

In the sphere of counties in China, a financial system has been formed which combines commercial finance, rural cooperative finance and policy-oriented finance. However, there is a glaring contradiction between supply of and demand for funds in counties for such reasons as inefficiency in rural credit cooperatives, dramatic shrinkage of the Agricultural Bank of China, unitary business of policy-oriented banks, and outflow of rural funds. Measures for reform are: within the financial system, attaching equal stress to organizational restructuring and institutional innovation of formal finance, and simultaneously promoting regulation and development of non-formal finance; outside the financial system, exercising industrialized operation of agriculture, cultivating the development of leading enterprises; and clearly defining the direction of financial support, and boosting efficiency in fund use.