中国农村金融观状调查及其政策建议

Investigation of China＇s Rural Finance and Policy Suggestions

对全国29个省（市、自治区）农村金融现状调查表明，正规金融机构难以满足农民的借贷需要，农村中小企业获得贷款也相当困难，农村信用社仍存在亟待解决的问题，农村民间金融组织难以发挥应有的作用。改善农村金融服务的具体政策建议包括完善农村信用社的治理结构和经营机制；创新农村金融产品和服务方式；引入竞争机制，推进农村金融体系的整体改革；增加农村信贷资金投放，形成农村资金回流机制；发挥好农村民间金融组织的作用等五个方面。

The investigation into rural finance of Chinese 29 provinces shows that there are still many problems to deal with, for example, formal financial organization cannot meet farmers＇ needs of financing, .the loan of small-mid enterprises in rural areas is difficult, rural credit cooperatives are confronted with many problems, and rural informal financing organizations cannot take their function they should take. Based on the above situations, concrete policy suggestions are granted： consummating rural credit cooperatives governing structure and running system, innovating rural financing products and service forms, bringing in competition system to prompt the reform of whole rural finance system, increasing rural credit capital and forming circumfluence system, making rural informal financal organizations play greater role in financing.