建设“新农村”必须解决城乡信贷资源配置失衡问题——对湖南省“一定比例新增存款投放当地”的调查

On the Unbalance Problem of Credit Resource Allocation between Urban and Rural Areas

“县域各金融机构在保证资金安全的前提下,将一定比例新增存款投放当地,支持农业和农村发展”是中共中央、国务院在2006年“一号文件”中提出的政策要求。本文以农业大省湖南为样本,通过实际调查,对这项政策要求进行了可行性分析。贯彻“一定比例”政策事关社会主义新农村建设大局,但在当前金融市场化改革不断深化的大背景下,对各金融机构信贷投向执行“一定比例”限制和要求,操作上有很大困难,也有不少争议。为了确保该项政策既贯彻到位又不会对金融部门的市场化改革产生冲击,本文提出政策操作应把握的几项原则和需要避免的几种倾向,并在此基础上提出了落实“一定比例新增存款投放当地”的若干政策建议。

Based on the investigation of rural financing in Hunan Province, this paper studies both the possibility and difficulty of the implementation of state policy, which requires the rural institutional to assure the investment according to certain proportion of newly - increased deposits to support agricultural development. Finally, some principles and suggestions on the implementation of this policy are proposed.