青岛市农村金融改革创新研究

The Study on Reform and Innovation of Rural Finance in Qingdao

农村金融是现代农村经济的核心,是推进城乡统筹发展,促进农业现代化的重要支撑。在总结青岛农村金融发展情况、梳理国内外先进经验及实践基础上,针对青岛市农村金融需求潜力未释放、有效供给不足、体系不完善、信用基础薄弱等四方面突出问题,提出了积极建立农村保险和担保体系,争取开展农村抵押融资业务试点,创新发展农业产业链金融,完善农村信用体系建设等创新性对策建议。

As the essense of the modern rural economy, rural finance plays an important part in promoting urban and rural development and agricultural modernization. Based on summarizing the development of rural finance in Qingdao and advanced domestic and foreign experience, this paper focuses on solving the problems of unreleased potential financial needs, lack of effective supply, imperfect system and weak credit basis.Therefore,it proposes a creative recommendation to actively establish rural insurance and guarantee system,to promote rural secured financing business, to develop the agricultural industry chain and to improve the rural credit system.