发展协作型农村金融组织的探讨

Discussion on Developing Rural Cooperative Financial Institutions

加快农村金融改革,发展新型农村新型金融机构,建立有效率的农村金融体系是中国当前现代农业和金融经济进程中的重点。鉴于当前农村新型金融机构在培育和发展中的处境与面临的问题,新型农村金融机构需要完善抗风险机制,这样才会得到壮大和发展,新型金融机构自身条件不足与业务发展上的受限,需要以金融创新解决。通过考察和分析国内外小型金融机构以及关系型金融发展中取得的实践经验基础上,探讨新型农村金融机构发展的协作型金融十分必要。

To speed up the rural financial reform, to develop new rural financial institutions and to establish an efficient rural financial system are key points in the progress of China＇ s modern agriculture and financial economy. In face of the situation and problems appeared in cultivating and developing new rural financial institutions, the new types of rural financial institutions need to perfect their risk-resistant systems and mechanisms. Only in this way can they grow and develop. Insufficient qualifications and restrictions in business development of these new types of rural financial institutions have to be improved through financial innovation. This paper tries to prove the necessity of developing rural cooperative financial institution by studying and analyzing practice and experience of both domestic and foreign small financial institutions in their relative financial development.