武汉“1+8”城市圈农村金融深化研究

The Research on Rural Financial Deepening of Wuhan "1+8" Metropolitan Area

城乡统筹发展是武汉"1+8"城市圈重要改革目标之一,但目前城市圈农村经济发展远落后于城镇经济。以规范分析为主导,从农村金融深化的主体(政府、金融机构、农户和企业、非金融中介和教研机构)的角度分析了武汉"1+8"城市圈农村金融的现状,由此提出金融深化的对策,以推动城市圈农村经济的发展。具体建议如下:完善农村金融辅助体系,加强城市圈不同城市政府部门的协作,并依托产业链使得城乡共享辅助性资源;丰富农村金融服务的品种,开发农民工客户;大力发展新型关系型融资模式,减少信息约束;拓展中国农业发展银行的业务范围。

It has been one of the important aims of the Wuhan ＂1＋8＂ Metropolitan Area（WMA） to realize urban-rural harmonious development.However,the rural economy far lags behind the urban economy now.This thesis is oriented by normative analysis and examines the rural financial situation in WMA from the aspects of principals involved in rural financial deepening,i.e.the government,the financial institutions,the peasants and enterprises,non-financial intermediaries,education and research institutions.Then it explored the countermeasures of financial deepening to improve the development of WMA＇s rural economy.The detailed advices are as follows：for one thing,it is about how to improve the auxiliary system of rural financial deepening,which includes enhancing cooperation among governments in different cities within WMA and sharing supportive resources between rural and urban areas on the industrial-chains.For another thing,it is about how to improve and innovate the rural financial goods and services,including enriching the variety of the rural financial services,developing the client of peasant workers,promoting the relationship financing to reduce the information restriction and expanding the business scope of Agricultural Development Bank of China.