新农村建设中推进农村金融改革的政策建议

Policy Suggestion on Pushing forward Rural Finance Reform in New Countryside Construction

农村金融作为最重要的资金要素配置制度,在农村经济发展中发挥着极其重要的作用。在新农村建设中,农村金融改革应增加对“三农”的金融服务供给,促进农村金融机构的可持续发展。具体措施包括:健全以合作金融、商业性金融和政策性金融为基础的多层次农村金融体系;建立有效的农村资金回流机制;发展农村社区基金和小额信贷机构,弥补农村金融服务空白;积极发展农业保险和农产品期货,分散农业生产的自然风险和市场风险;改善农村金融的发展环境等。

Rural finance, as the most important fund element allocation system, has played a very important role in rural economy development. In new countryside construction, its compulsory for rural finance reform to increase financial service supply for ＂agriculture, countryside, and peasant＂, promoting the sustainable development of rural financial institutions. The concrete measures include： perfecting a multi -level rural financial system based on co- operative finance, commercial finance and policy finance; establishing developing rural community fund and small sum credit loan institutions an efficient rural funds reflow mechanism; for making up the service blank of rural finance; actively developing agriculture insurance and produce futures for distributing the natural and market risk of agriculture production; improving rural financial development environment, etc.