金融发展理论对我国农村金融改革的启示

Inspiration from the Theory of Financial Development on Rural Financial Reform

西方金融发展理论是研究发展中国家金融发展与经济增长关系的优秀理论成果,以该理论分析我国农村金融改革历程可以发现,我国目前的农村金融表现为传统农村金融机构职能不明确、新型农村金融机构缺乏制度支持、农村金融创新不足的金融抑制现象,需要依据金融约束理论的指导,通过完善农村金融机构体系、创新体系与监管体系来促进农村金融发展。

Western theory of financial development is an excellent theoretical result which discusses the relationship between financial development and economic growth.By analyzing the history of China＇s rural financial reform,we can find that China＇s current rural finance has the feature of financial repression,including that the function of traditional rural financial institutions is not clear,there is lack of supports for new rural financial institutions,and lack of financial innovation in rural areas.We should use the theory of financial constraint to promote the development of rural financial by improving the system of rural financial institutions,innovation system and supervision system.