构建金融支持新农村建设的长效机制研究

The Persistent-effect Mechanism on Constructing Finance Supporting New Rural Construction

长期以来,农村金融改革是政府主导下的强制性制度变迁过程,是一种非需求导向型的机制演进。虽然政府制度供给能够优化资源配置和促进农村金融组织发展,但是政府的过度参与,抑制市场力量进入农村金融领域,会使得农村金融供给滞后于农村金融需求。在当前社会主义新农村建设的大背景下,针对山东省农村金融需求发生的阶段性变化和农村金融服务的不足,农村金融改革必须以市场化为基础,完善农村金融服务,构建金融支持新农村建设的长效机制。

For a long time, the rural financial reform is mandatory institutional transition under the leadership of government and is a non-demand-oriented mechanism for evolution. The government＇ s excessive involvement restraints market forces from entering the field of rural finance, causing the supply of rural finance lag behind the need. This article takes Shandong Province as an example, new rural construction as the background, analyzes financial needs of the rural phased changes and rural financial services, and then points out that we must take market mechanism as the foundation, improve financial services in rural areas, and establish persistent-effect mechanism of finance supporting new rural construction.