西部农村金融服务创新问题探讨

Inquiry into Innovation Problems for Financial Services in Rural Western China

当前农村金融服务需求得不到满足是强制性制度变迁的结果。因此,应该从农村金融体系建设的高度确定配套的扶持政策,创新金融监管模式、机构组织形式、金融服务产品等,形成农村金融服务的激励机制,使在农村从事金融服务的机构有利可图。依托农村经济发展的内在需求和农民的自主创新意识,发展多种形式的农村经济合作组织,满足"三农"金融服务需求。

Not meeting the current demand for financial services in rural areas is the result of compulsory transition in the mandatory system. Therefore, it＇ s necessary to determine supplementary supporting policies from a height in terms of constructing rural financial system, to innovate financial regulatory model, forms of institutional organization, financial services products, etc. so as to incentive mechanism for rural financial services, making the institutions engaging in rural financial services profitable. By relying on the internal demand of rural economic development and farmers awareness of independent innovation, it＇ s necessary to develop various rural economic cooperative organizations for meeting the demand of ＂ agriculture, countryside and peasant＂ for financial services.