基于农户收入结构变化的农村金融服务需求

Rural Financing Services Requirement Based on Changing of Rural Families′ Incomes Structure

长期以来,改革与促进中国农村金融服务的思路主要是推动增量信贷资金的投入与增长,却忽视了农村社会结构变迁,特别是农户收入结构变化对现代金融服务的多元化需求,进而使农村金融服务的供需矛盾难以缓解。为此,本文通过实证分析认识到,随着中国农户收入结构的变化和需要,应建立另外一种与之相适的金融服务模式。

For a long time,the concept of innovation and development of rural financing services is to improve the inputs and growth of incremental credit funds in China.However,it neglects the changes of social structure,especially the requirement of modern diversified financing services under the situation of changing rural families′ incomes structure.Furthermore,the imbalance between supply and demand is not relieved.Therefore,the article brings forward another financing services mode to match the requirement of changing China′s rural incomes structure according to the imperial analysis.