后改革时期中国农村金融体系发展的战略定位

Strategic positioning of China country financial system development during the late revolution period

中国后改革时期农业经济发展的不平衡,即二元经济结构的存在,决定了区域金融市场的二元化。从后改革时期农村金融发展的现实来看,中国农村金融体系已无法满足不同地区不同收入的农户多元化、多层次的金融需求。后改革时期农村金融体系的定位,其核心不是农村金融机构设置的多元化,而是适应不同收入阶层的农户在不同经济发展阶段上的金融需求,建立“城乡协调、统筹兼顾、资金回流、扶助三农”的农村金融体系,最终实现农村金融的全面、协调、可持续发展。

The unbalance of agriculture economic development during the late revolution period in China, that is the existence of duality economic system decides the duality in financial market. From the reality of country financial development in late revolution period, China＇s country financial system can＇ t satisfy the diversity and multi - level financial needs of countrymen from different areas with different income. The positioning of late revolution period should not place the core issue at setting diversified financial institutions, it should be placed at the financial needs of countrymen from different income level in different economic development stages, establish ＂city and country harmony, whole plan consideration, flow back of capital, subsidizing Shan Nong＂ country financial system, and realize a complete, harmonize and sustainable development of country finance eventually.