三十年中国农村金融改革的透析与启示

Revelation of Chinese Rural Finance Reform During Past 30 Years

本文以农村经济与农村金融的内在联系为出发点,以农村生产力发展状况与经济改革进展为依据,将三十年中国农村金融改革划分为三个阶段:传统农业发展阶段、农村工业化起步阶段、新农村建设发展阶段。通过分析不同生产力条件下农村金融的供需状况,总结出中国农村金融改革的几点启示。

Based on the internal relation between rural finance and rural economy,this paper researches Chinese rural finance reform during the past 30 years according to the development of rural financial productivity and evolution of rural economic reform.We divide it into three phases： development phase of traditional agriculture,starting phase of rural industrialization,and development phase of new rural construction.Through the analysis of supply and demand of rural finance in different conditions of rural productivities,we sum up some enlightenment about Chinese rural finance reform.