农村合作经济组织的金融功能拓展研究

A Research on Financial Funtion Development in Rural Economic Co-operated Organizations

目前,在支持"三农",大力拓展农村消费市场,构建社会主义新农村的背景下,农村金融服务缺失的矛盾越发突出。本文从分析目前农村金融体制的发展现状及弊端入手,探讨农村民营金融的特点要求,分析目前农村合作经济组织发展现状,并以此来论证将农村合作经济组织构造为农村民营金融机构的可行性。在此基础上,提出农村合作经济组织构造民营金融机构的两种模式和需要解决的现实问题。

With the carrying out of policy of supporting ＂agriculture,rural areas and peasants＂,great expanding of rural consuming markets as well as the construction of new socialism villages,the lacking of rural financial services is becoming more and more serious.The essay explores the characteristics and demands of rural civilian-run financial organizations;analyses current development of rural cooperated economic organizations by means of analyzing current development and shortcomings of rural financial system so as to prove the feasibility to transform rural cooperated economic organizations into rural civilian-run financial setups;and has put forward two modes as well as some problems needing to solve in the transformation from rural cooperated economic organizations to civilian-run financial setups.