新型农村微小金融组织发展框架与发展路径研究——以台州为例

近年来,台州积极发展新型农村微小金融组织,成为浙江省乃至全国农村微小金融组织体系较为完善的地区之一,不同的新型农村微小金融组织与常规农村金融机构一起在台州初步形成了覆盖范围广、组织形式多的农村金融供给格局,但农村金融需求仍存在较大缺口,大力发展此类组织仍是农村金融体系构建的重要一环,而如何利用不同金融组织的特点来有针对性的进行培育、完善金融监管、构建制度体系、予以政策扶持一直是亟待解决的难点,因此,本文从台州新型农村微小金融组织发展态势与特征入手,对其优势、劣势等各方面进行分析,在此基础上提出台州新型农村金融组织发展框架与发展路径。

In recent years, Taizhou developed new rural micro finance organization actively,became a well rural financial organization structured area in Zhejiang Province, even in the whole country. It initially formed the large bestrow scope financial supply situation by different new rural micro financial organizations and conventional rural financial institutions in Taizhou, but there is still a big demand gap for rural financial. Developing such organizations is an important part of building rural financial system. How to niche targeting cultivate new organization,improve financial supervision, build institutional system, supply policy support according the characteristics of different financial organizations are always difficulties,therefore, this article began with development trend and features of such organizations, analyzed their advantages and disadvantages ,and based on it,proposed new framework and development path for the development of rural financial organizations.