孟加拉国国乡村银行运作模式对中国农村金融体制改革的启示

Enlightenment of the Bangladesh country bank operating pattern on the reform of Chinese rural financial system

随着中国现代农业发展及新农村建设的稳步推进，农村金融市场多元化竞争格局已经形成。然而，农村领域金融资源的流失，金融服务难以适应新形势的要求等问题已成为制约中国农村经济、社会发展的瓶颈。盂加拉国银行家穆罕默德。尤努斯及其创办的乡村银行因为其帮助穷人摆脱贫困和创造社会发展机会方面的贡献而荣获2006年度诺贝尔和平奖。本文结合中国农村金融服务现状，借鉴盂加拉国国乡村银行运行的经验，提出了新时期深化农村金融体制改革，积极推追现代农业与新农村建设的若干启示与建议。

With the development of Chinese modem agriculture and the new rural construction, the diversified rural area financial market competing pattern has already formed. But the problems of rural financial resource waning and financial service being difficult to adapt to new circumstances have become the bottleneck already, which restricted rural economy and social development. Bengal banker Mahammed Younusi and his country bank gained 2006 year＇s Nobel Peace Prize, because of their contribution on helping poor people to eliminate poverty and creating social development chances. Combined with Chinese rural financial services situation, learned the Bangladesh country bank running experience, gave some enlightenment and suggestions on howto deepen Chinese rural financial system and push forward modem agriculture and construction of new rural.