西部地区农村金融制度缺陷浅析

Research of Guangxi north bay economy district service industry development

西部地区农村经济的发展,离不开西部农村金融的支持,尤其是近年来我国西部欠发达地区的农村经济发展迅速,但和其相配套的农村金融制度在许多方面制约和束缚着农村经济的发展,西部农村金融制度中现存的西部农村地区典型的二元金融结构模式、金融市场缺乏竞争主体、金融机构监管不力等现象已经严重地阻碍了西部农村经济的发展,针对这些问题,关键是要大力发展西部农村非正规金融、加强西部农村金融机构的监管、完善农村信贷投入保护机制等方面进行改革,从而解决西部农村地区农民贷款难、提高西部农村地区金融机构工作效率的问题,西部农村地区的经济才能取得更好更快的发展。

The development of the rural economy in western region can not be separated from the support of the rural finance in western region.ln recent years, the rural economy has developed rapidly in chinese underdeveloped western regions, but its rural financial system which has matched it constraints and shackles the development of rural economy in many ways. The typical dual mode of western financial structure,the lack of competition in the main financial markets,the phenomenon of lack of supervision in financial institutions in the existing rural financial system of rural areas in western region have seriously impeded the economic development of the western rural areas.ln view of these problems, the key is to vigorously develop the non-formal rural finance,strengthen the western supervisionural of financial institutions, improve the rural credit mechanism,so as to solve the difficult of loans of farmers in the western rural areas, to improve the efficiency of financial institutions of the western rural areas. The western rural areas could achieve better and faster economic development.