我国农村金融体系的问题研究

The Study of Rural Financial System in China

农村金融体系主要承担资金动员而不是资金配置的功能,金融配置效率低下,这正是我国农村金融发展滞后的要害。国家对农村金融的管制使得中国金融发展呈现出明显的城乡"二元性"特征,即,农村金融发展滞后于城市金融发展。因此,分析我国农村金融支持经济发展存在的问题,有针对性地提出了放松市场准入限制,培育农村金融竞争性市场,以建立可持续的多层次的农村金融组织体系为主导方向非常重要。

The rural finance system mainly undertakes the fund mobilization is not the fund disposition function,the financial disposition efficiency is low,this is precisely our country rural finance development lag strategic point. The country causes the Chinese finance development to the rural finance control to present the obvious city and countryside＂the duality＂the characteristic, namely,rural finance development lag in city finance development. Therefore,analyzes our country rural finance support economy development existence the question,had pointed proposed the relaxation market access limit,cultivated the rural finance competitive market,take established the sustainable multi-level rural finance organization system to be extremely important as the leading direction.