改善制度环境 促进农村金融的深化——陕西省商州市王涧村调查

Promote Rural Financial Progress by Change its Institutions and Surroundings

本文试图通过对陕西省商州市王涧村这一个案的描述 ,分析不发达地区农村金融需求的现状、特征以及农村金融机构在金融改革和市场化进程中所存在的问题。本文分为五部分 :首先对调查地区的基本情况作一简单介绍 ;其次 ,通过对王涧村农户问卷的分析 ,考察农户对金融服务需求状况及其特征 ;第三部分考察商州市金融市场与金融机构的状况 ;并分析商州市农村金融服务产品以及农民的需求和满意程度 ;第四部分则考察了商州市金融机构改革及其市场化进程中存在的问题 ,揭示了社会经济制度背景对金融市场化的影响和制约。最后 。

Based on questionnaire survey in Wangjian village in Shaanxi province, this paper analyzes the characteristics of peasant′s financial demand, and problems of financial market in undeveloped regions. This paper points out that in undeveloped regions, formal financial organization plays important roles in supplying credit service to farmers, the problems main is the result of sluggish operational system of financial institutions and its surrounding. In the future, the system of financial institutions should be reformed to promote the economic development in such areas.