深化农村金融体制改革的路径选择

Reform of Rural Banking system: Path Selection

二元经济下"三农"问题的解决是实现我国经济社会可持续发展的关键,在农村金融改革和深化中,政府主导的支农三驾马车(农业银行、农业发展银行、农村信用社)占据重要位置,但是也存在若干问题。因此,运用金融深化理论对我国农村金融供求特征进行深入分析,探求支农三架马车在运行过程中存在问题的症结所在,无疑具有重要的现实意义。这就需要在选择农村金融深化路径时,应该把握目前经济转型时期农民对金融服务的需求,不断提高以政府为主导的农村金融资源配置的效率,从而在制度上建立和我国社会主义市场经济相适应、符合农村经济发展需要、以竞争为基础的现代农村金融服务体系。

The three major banking institutions (Agricultural Bank, Agriculture development Bank and Rural Credit Cooperative), which are mainly sponsored by the government, play an important role in the reform and deepening of China's rural banking. Yet there are still some problems with them. The essay, based on analysis of these problems, suggests that in selecting the path to deepen rural banking, effort should be made to keep informed and aware of the farmers' demand for the banking service in the present period of economic transition; to constantly raise the efficiency of the resource distribution of rural banking sponsored by the government; and thereby to establish a modernized rural banking system that is geared to the socialist market economy, meeting the needs of rural economic development and based on competition.