政策性金融与农村金融服务供给

Policy-Oriented Finance and Financial Services in Rural Area

加入世贸组织对农业的影响逐渐显露,要求农发行在目前形势下有所作为。农发行的改革可以分为近期目标取向和长期目标取向,近期目标取向应以为农户提供原始资本为主要取向,以提高农民的有效需求,从而把商业性金融机构吸引回来。长期目标取向应该以提供农村公共产品为出发点,使农发行的功能符合政策性金融机构的职能定位,使农村金融市场上行政和市场两种手段合理并存.最终实现效率与公平的均衡。

Finance vacuum is a long problem in county distract because of lacking of sufficient finance services. As Chinese policy bank, China Agriculture Development Bank has duty to improve financial services in rural area. There are out utility and market failure in rural financial market. The paper's opinion is: China Agriculture Development Bank should supply services in two areas, the first is promoting efficient demand, and the second is supplying public good in rural area. In short, the final target is the equilibrium between 'efficienc'and 'just'.