我国农村金融发展的区域比较分析

The Comparative Analysis of the Regional Rural Financial Development in China

本文从农村金融的规模、结构及功能发挥等方面对我国区域农村金融发展状况进行了较系统的比较分析。分析表明,我国农村金融规模区域差异明显,东部地区的规模总体上大于中西部地区,但农业保险市场2005年以前呈西强而中东部弱的格局;区域农村金融结构异同并存,其组织结构区域差异明显,而融资结构与市场结构三大地区雷同;区域农村金融体系功能异化现象均十分严重,储蓄动员功能过度发挥而资金配置功能严重弱化,尤以中部为甚。

In the paper,systematic comparison of the regional rural financial development is analyzed in terms of financial scale,financial structure and financial functions in rural China.Analysis shows there are obvious differences in regional rural financial scale,as a whole,the scale of rural finance in eastern region is larger than that in central and western regions.However,the agricultural insurance market in the west was much larger than that in east central China before 2005.Regional similarities coexist with differences of the rural financial structure;the regional rural finance is significantly different in organization structure,but the financing structure and market structure are both similar in these three areas.The dissimilation in the regional rural financial system functions is very severe;the savings mobilization is excessive,but the capital allocation is weakened seriously,especially in central China.