对现代农村金融制度的客观审视与思考

Objectively scan and think of the modern rural financial system

中共十七届三中全会提出了“构建现代农村金融制度”的目标，是新时期推动农村金融改革与创新的引擎。目前中国农村金融体制变迁与整体农村经济制度变迁的路径相悖，呈现出强制性、“渐进式”及结果的“滞后性”等特征。现时期农村金融服务尚不能满足农村经济发展的需要。文章从建立健全农村金融服务体系、政策性农业保险、信贷担保机构，以及现代农村金融制度的基础体系、政策扶持和监管体系等方面，对创新现代农村金融制度，支持新农村建设提出了具体对策和建议。

Abstract： The third 17 Plenary Session gave the goal ＂building a modem rural financial system＂, which is the engine to promote the rural financial reform and innovation. Chinese rural financial system runs counter to the whole rural economic system＇s path of change, which presented coerciveness, progressive, and hysteretic quality of the result. At present, the rural financial service can＇t meet the agricultural and rural economic development, so need to build a modem rural financial system. This article gives some recommendations for innovating modem rural financial system and supporting the new rural areas＇ building, from aspects of establishment of financial service system, policy-oriented agricultural insurance, rural credit guarantee institutions, modem rural financial basic system, policy-supporting and supervision system.