对完善我国农村金融机构风险补偿机制的探讨

Research on Rural Finance Risk Compensation Mechanism in China

近年来我国农村金融改革快速推进,金融支持农村经济发展力度逐渐加大,金融服务水平也有所提高,但农村金融发展中一些深层次的问题与矛盾也逐渐暴露出来,其中,农村金融风险大、风险分散和补偿机制缺乏越来越成为影响农村金融资源聚集和金融发展的障碍。本文即从风险分散和风险补偿机制的构建角度出发,提出针对性的建议。

In recent years,with acceleration of Chinese rural financial reform,finance is playing an increasingly important role in rural economy development,and rural financial service is also progressing.However,some deeply-seated problems and conflicts in rural financial development are also emerging,among which the grave risks of rural finance and the lack of risk decentralization and compensation mechanism increasingly become the evident handicaps to rural financial resources accumulation and rural financial development as a whole.This paper proposes some suggestions to develop risk decentralization and risk compensation mechanism.