关于完善农村金融制度加大对三农金融支持若干问题的思考

On the Improvement of China's Rural financial System

本文详细讨论了我国农村金融体系的现状、存在的问题,以及问题形成的原因, 并提出了若干完善农村金融体系的意见。本文指出,我国农村金融体系存在问题的根本原因是政府办金融以及过度管制导致农村金融市场缺乏活力,在组织体系、产权模式、服务方式以及监管政策等方面不适合农村特点。要使金融在支持三农方面发挥其应有的作用,必须对金融体系进行大的调整,着眼于构建一个竞争性的农村金融市场。这样的金融市场应该是以商业金融为主导、合作金融参与、资金能够回流、国家政策支持引导的市场。

This article detailedly reviews of current status of rural financial system of China and analyzed the existing problems as well as their causes. Then it gives several adviees about how to improve china＇ s rural financial system. The article indicated that government＇s dominance and exorbitant control of the rural financial system is the fundamental cause that leads to the shortage of energy in rural financial market. Finally, the article suggests that in order to have financial facility plays a big role in supporting China＇ s rural areas, agriculture and farms problems, China should have a significant change in its financial system, which focus, on establishing a comparative rural financial market. And this market should be mainly structured by the commercial finance, participated by the cooperative finance, be supplied with circumfluent funds and guided by the government＇ s policy.