农村金融供求矛盾及其应对路径选择

Contradiction between Supply and Demand of Rural Finance and Its Path Choice

农村金融的构建和发展关系到"三农"问题的解决,是影响农村经济发展的关键因素。现有的中国农村金融市场供求矛盾突出,具体表现为供求总量矛盾、供求结构矛盾、额度及期限结构矛盾。文章通过对农村金融供求矛盾的成因分析,提出了构建多样性农村金融体系、引入民间金融、提高农村经济收益率和健全政策保障机制等解决路径。

Construction and development of rural finance as a critical factor affecting rural economic development is related to solution of ＂three rural＂ issues. The existing contradictions between supply and demand of rural financial market is obvious in China, which embody in the form of total contradictions, structural contradictions, the amount and deadline structural contradictions on supply and demand. Based on analysis of causes in rural financial supply-demand contradiction, The solutions such as building a diversity of rural financial system, introducing private finance, increasing the rural economy yields and sounding policy protection mechanisms were proposed.