我国农村金融现存的问题及发展对策

Present Situation,Existing Problems and Development Suggestions on the Rural Finance in China

目前,我国农村金融组织体系基本形成,但结构和功能不完善;农业贷款力度较大,但资金运用效率不高;农村资金外流现象不容忽视;农村金融服务的覆盖不够深入,地区分布差异大;农业保险开始探索,但仍未完善。为此建议:(1)健全农村金融组织体系;(2)完善农村金融市场体系;(3)完善农业保险体系;(4)着眼全局安排各项农村金融政策。

Currently, the rural financial organization system has been basically formed, but its structure and function remain imperfect. The loan for agriculture is full of momentum while the efficiency of fund use is low. The outflow of rural capital has become a phenomenon not to be ignored. Rural financial service has not yet covered enough areas and there exist significant differences in regional distribution. Meanwhile, the agricultural insurance is not perfect as it is still in the stage of exploration. Accordingly, some suggestions are given including improving the rural financial organization system, amplifying the rural financial market system, perfecting the agricultural insurance system and making rural financial policies based on the overall situation.