我国农村信贷市场重建的合作制基础

The Co-operative Foundation to Rebuild the Rural Credit Market in China

随着新农村建设的深入开展,农村金融发展尤其是农村金融市场建设成为人们关注的焦点。我国农村有普遍的存款服务和汇兑服务,但缺乏有效率和规模的信贷供给。如何重建农村信贷市场成为制约农村金融市场建设的关键因素。通过对农户信贷需求的满足问题的探讨,可以发现,在目前城乡二元经济结构下,小农经济与市场化的矛盾成为制约农户借贷供求的根源。突破这一制约的有效途径是发展合作经济和建立"农民所有"的合作金融。

With the launching of new rural construction, people are beginning to focus on the rural financial development, especially the construction of rural financial market. Most of the rural areas in China supply the services of deposit and exchange, but lacking of efficient and adequate credit supply. How to rebuild the rural credit market is becoming the key constraining factor to the construction of rural financial market. On the basis of studying how to meet the needs of farmer credit demand, it is obvious that the contradiction between peasant economy and marketing is being the source of constraining the farmer credit demand in the dual economy of town and country. The effective ways to break through this obstacle are developing the cooperative economy and co. operative finance owned bv the farmer themselves.