促进城镇化进程的农村金融体制重构

Study on the Reform of Rural Financial System in the Process of Urbanization

城镇化的有效推进离不开金融的支持。从体制角度看,我国农村金融体制改革的滞后是制约农村城镇化进程的重要因素之一。分析表明,农村金融体系内部结构的缺陷及外部支持环境的缺乏是城镇化进程中农村金融体制存在的主要问题。因而,与城镇化相适应的农村金融体制改革应主要从完善农村金融体系的内部结构,包括农村金融组织体系、市场体系、服务体系、监管体系等,以及从完善政府职能、创造良好的金融运行环境入手,增加城镇化进程中的金融供给,加快农村城镇化的进程。

Finance is an essential factor for accelerating the process of urbanization. Prospected from the system, the delay of the reform of rural financial system is one of the most important factors that restrict the process of urbanization. It is believed that the imperfect structure of the rural financial system and the lack of supportive environment are the main problems of rural financial system in the process of urbanization. For this reason, the reform of rural financial system should be carried out from the viewpoint of improving the structure of rural financial system in the process of urbanization, which includes perfecting organization system, market system, regulatory system and government function. A favorable environment should be created for the operation of finance in order to accelerate the process of urbanization.