我国商业银行进入农村金融市场路径与经营模式思考

Entrance Channel of Commercial Banks into Rural Financial Market and Retrospections

当前我国城乡金融二元化问题日益突出,金融资源配置严重扭曲,农村地区金融机构网点、从业人员和信贷资源严重不足。完善农村金融服务,建立现代农村金融制度,商业银行责无旁贷。商业银行服务"三农",既是履行社会责任的需要,更是实现自身可持续发展的内在要求。本文对商业银行进入农村金融市场的路径和经营模式进行了系统研究。

Urban finance and rural finance conflicts in current China＇s economy, leading to financial resources seriously distorted. Rural finance suffers from serious deficiency in branch, practitioner, and credit resource. Commercial banks should come to rural finance＇s rescue without any question. It not only reflects their sense of social responsibility, but also an intrinsic request of them to achieve sustainable development. This article conducts study on the entrance channels of commercial banks into rural financial market and also contemplates on the operation.