基于需求角度的农村信贷供给体系重构

Reconstruction of Rural Credit Supply System From Demond Perspective

多样化的农村经济主体的信贷需求在其融资次序下表现为多层次特征,但外生性、强制性的农村信贷供给模式却与这种层次态的信贷需求之间存在天然的分歧和矛盾。只有改变传统的信贷供给逻辑,通过建立竞争性农村金融组织、再造资金回流机制、改革农村信贷管理体制、规范引导非正规金融、建立并完善农村金融风险补偿机制和金融保障体系,才能提高农村信贷供给制度的适应效率。

Various demand of credit has diversified characteristics in financing order, but the supply mode of rural credit is contrary to this kind of demand of credit. It is the only way to improve the efficiency of rural credit supply system by establishing competitive rural financial framework, reconstructing the capital circumfluence mechanism, regulating civilian finance and improving compensation and security mechanism.