论民族地区可持续发展的农村金融体系——基于内蒙古农村牧区的相关实地调研

ON THE SUSTAINABLE DEVELOPMENT OF RURAL FINANCIAL SYSTEM IN ETHNIC AREAS——THE RELATED AND ON-THE-SPOT INVESTIGATION IN INNER MONGOLIA RURAL PASTORAL AREAS

中国少数民族地区农村牧区大部分属自然灾害及环境恶化较为严重的浅层发展区域,在经济社会发展层面具有区际落后性和区内不平衡性。金融基于经济,金融反作用于经济发展。笔者认为,民族地区农村金融体系的构建应立足于农村金融的可持续发展,要以合理的市场与行政手段有效配置金融资源,应建立政策性金融为导向、合作金融为核心、商业金融为辅助的可持续发展的多层次农村金融体系。

A large part of the rural pastoral area in the ethnic areas of China belong to the low-level development region subject to severe natural disasters and deteriorating environments and are backward and unbalanced in economic and social development. Finance is based on economy and influences economic development. The author thinks that the construction of rural financial system in ethnic areas should stand on its sustainable development, and effectively allocate financial resources through reasonable market and administrative measures. It is necessary to construct multi-level rural financial system which is based on policy-, cooperation- and commerce-oriented finance.