中国农村金融发展状况分析

An Evaluation on the Financial Development Status of China's Rural Area

反思中国农村金融改革时首先要求对农村金融发展状况有一个透彻的了解。依照现代金融发展理论所提供的一套比较完善的指标体系,文章对我国农村金融发展状况进行了系统的概括和分析。我国农村金融发展状况的基本特征表现为:农村货币化程度加深;金融机构财务状况不佳;农村信用社在农村金融市场上处于垄断地位;金融中介功能弱化,并且正规金融体系在中介功能上正逐渐被非正规金融所替代。

A thorough knowledge of financial development status in rural area of China is necessary in order to review the rural financial reform. Using a set of relatively complete indices supplied by the modem financial development theory, the financial development level in China＇ s rural area is systematically summarized and analyzed. The main characteristics of rural financial development status are as follows： rural monetary level is rising, financial organizations are in bad finance position, Rural Credit Cooperatives keep monopolization in the rural financial market, the function of financial medium is weakening, and the informal financial system is taking the place of formal financial system in terms of medium function.