完善我国农村金融体系的经济学研究

Economical Research on Improving China’s Rural Financial System

农村金融是现代农村经济的核心。在我国,农村经济最基本的生产要素(土地、劳动力和资本)中,资本最为稀缺。长期以来,我国农村金融体系存在着严重的缺陷,使得农村经济发展得不到金融行业的强力支持。在此过程中,农村信用社一直没有准确的定位,更没有充分发挥出其应有的金融功能。要推动现代农业经济的进步,建设社会主义新农村,最终解决"三农问题",就必须研究造成农村金融体系缺陷的根本因素,并在此基础上探索适合我国国情的农村金融体系完善途径。

Rural finance is the core of the modem rural economy. In China, among the basic factors of production in rural market （land, labor and capital）, capital is the most scarce. Over the years, there are serious shortcomings in our rural financial system, and the development of the rural economy can not be strongly supported by the financial sector. During this process, the RCCs has not been accurate positioning, and also does not play its part. In order to promote the progress of modem agriculture in our country, build the new socialist countryside, and ultimately solve the ＂issues of agriculture, farmer and rural area＂, we must study the rural financial system, and find a appropriate way to improve the rural financial system.