我国政府对农村金融的扶持与促进建议

Suggestion for Chinese Government's Support and Boost Policy for Rural Finance

理论和实践表明,要克服农村金融领域的市场失灵,离不开政府的支持。近年来,我国各级政府在建立和完善农村金融风险补偿机制、健全政策性农业保险制度以及实现农业信贷与保险有机对接等方面进行了卓有成效的改革探索。今后,不但要注重农业已存在的不同金融需求,更应大力打造不同类型的金融生态,规范发展地方性农村金融机构,扩大农村金融供给,激活、满足农村金融需求;同时,要发挥财政、信贷资金相互协调的配套作用,并建立完善农村征信体系。

Theory and practice show that governmental support must exist in order to overcome the failure of rural financial market.In recent years,each level government of China has made successful reform exploration in the perspective of the establishment and perfection of rural financial risk compensation mechanism,perfecting policy-oriented agricultural insurance system,realization of organic joint of agricultural credit and insurance.In the future,China should pay attention to the existed different agricultural financial demands,construct different types of financial ecologies,standardize the development of local rural financial agencies,enlarge the supply of rural finance,trigger and satisfy rural financial demand,meanwhile,bring interactive coordination role between finance and credit capital into full play,and build and perfect rural credit system.