中部地区新农村建设中的农村金融制度创新

Rural Finance Institutional Innovation for New Countryside Construction in the Central Region

地处中部地区的传统农区,是全国农业现代化改造的重点和难点,而传统农区的信贷问题是关系传统农业改造的关键。传统农区的农户借贷对民间金融高度依赖,并且传统农区的信贷市场呈现出一系列“欠发达特征”。根据中部地区农户性质和信贷市场特征,为促进传统农区的金融制度创新,支持中部地区的新农村建设,应采取诸如民间金融主体合法化、借贷利率市场化、监管政策正规化、服务形式多样化等创新措施。

The traditional agriculture area of a central part region is the emphasis and difficulty for the national agriculture modernization reforms, while the credit loan problem in the traditional agriculture area is the key to the traditional agriculture reforms. The peasant borrowing in the traditional agriculture area is highly dependent upon the nongovernmental finance, and this credit market is characterized by a series＂ underdeveloped characteristics＂. According to the nature of the peasant households in the central regions and the credit loan market characteristics, in order to promote financial institutional innovation in traditional rural areas and support new countryside construction in the central regions, it＇s compulsory to take such innovative measures as legalizing non - governmental finance principal, realizing market - orientation of the interest rate, normalizing regulatory policy, realizing service form diversification, etc.