我国农村金融体系制度性缺陷及矫正问题探讨

Institutional defects of rural financial system of China and the correction

随着农村经济的迅速发展,我国农村金融服务有效供给不是随之增长反而相对萎缩,说明我国现有的农村金融体系存在缺陷,不能完全适应农村经济发展的要求。从制度层面分析,强制性制度变迁与单纯性机构扩张是农村金融体系与农村经济发展体系不适应的主要原因。改革路径应当是功能优先与协同发展。

With the continuous development of the rural economy,the supply of rural financial services is not rising instead of tending to be relatively shrinking. The existing rural financial system still exists defects in our country,and is not adapt to the demands of the development of rural economy. Analyzing from the system level,mandatory system changes and simple organization expansion are the main reasons. The reform path should be priority functions and coordinated development.