宁夏地区农村金融体系发展研究

On the Development of Rural Financial System in Ningxia

发展资金短缺和融资渠道单一长期影响和制约西部少数民族地区农村和农业发展。面对农业作为弱质产业的状况没有得到根本性改变的现实下,迫切需要建立起完善的农村金融体系,缓解"三农"融资难题。文章以宁夏为例,尝试通过建立起政策性金融主导的多元化的农村金融体系,有效调动商业性金融、民间金融及合作金融共同参与其中构建路径。

A shortage of funds and the monotony of financing channels constrain the rural and agricultural development of west China＇ s minority areas. It is argued that the rural financing system should be improved in order to ease the problems of development related to the countryside, farmers and agriculture. Efforts should be paid to a diversified financing system, attracting business financing, folk financing and cooperative financing, with Ningxia as an example.