我国新型农村金融机构存在问题及解决对策

The Problems and Solutions of New-type Rural Financial Institutions in China

推动农村金融业发展、提高农村金融服务水平,成为近年来我国农村发展的热点话题之一。新型农村金融机构在促进农村金融业发展方面具有愈加重要的地位,为解决农业现代化水平不高、农村发展滞后、农民融资难问题起到了至关重要的作用。然而新型农村金融机构的发展速度尚且缓慢,存在诸多问题有待解决。本文从参与到新型农村金融机构业务开展的三大主体:农民、新型农村金融机构、监管机构入手,分析了各自存在的问题,制约新型农村机构发展的原因,并针对性地提出相关解决对策。

Promoting financial development and improving financial services in rural areas has become one of the hot topics of China＇ s rural development in recent years. New-type rural financial institutions have playing an increasingly important role in promoting the development of rural finance, and they have taking lagging a crucial part in solving the problems such as the low level of agricultural modernization, rural development and the farmers＇ financing difficulties. However, the pace of new-type rural financial institutions＇ development is slow. There are many issues to be resolved. This paper analyzes three subjects participating in the new-type rural financial institutions＇ development： farmers, new- type rural financial institutions, regulators. This paper analyzes their problems and restricts for the de- velopment of new-type rural financial institutions, and focuses on the relevant countermeasures.