摘要
我国农村金融呈现出供给抑制、需求旺盛及市场效率低下的现状,金融危机发生后,我国实行"保增长、促内需、调结构"的总体战略,农村金融市场在经济相对稳定下金融风险可控,带来了产业金融、消费金融、规模扩张、人才引进等方面的机遇,因此,建议:发展中小金融机构,提高农村金融供给;配合国家宏观经济政策,开发和培育农村金融体系的服务功能;改革农村金融定价和补贴政策;完善农村金融的监管体系以及以优惠政策吸收优秀金融人才。
China＇s current rural financial situation shows the restraint supply and overall demand and inefficient status. After the financial crisis, China implements the strategy of ＂promoting capital growth and domestic demand, and transferring structure＂. And the financial risk is under the control when rural financial market economy is stable. Crisis brings the opportunities of industrial finance, consumer finance, scale expansion, and human resources. So, it is proposed to develop small and medium-sized financial institutions, improve the supply of rural finance; develop and nurture the rural financial system service functions with national macro-economic policy; reform pricing and subsidy policies; improve the rural financial system and regulatory policies to outstanding financial professionals.
关键词
金融危机
农村金融
现状
机遇
对策
Financial Crisis
Rural Finance
Status Quo
Opportunities
Countermeasures
