我国农村金融发展与农民增收双向良性互动机制探究

The Study of the Two-way Interaction Mechanism Between the Rural Finance Development and Farmers Income Promotion in China

当前我国农村金融存在较为严重的金融压抑状况,表现在农村金融机构供给不足、功能不全、服务不周,农村信贷供需矛盾突出,民间金融夹缝发展,农村资金逆流城市,城乡、区域金融机构布局双重失衡五个方面。金融发展与农民增收之间存在着双向良性互动关系,即金融发展可以通过直接与间接方式促进农民增收,农民增收引致金融需求增加又反向促进农村金融发展。因此,全面深化农村金融体制改革,对促进农民增收具有现实意义。

In the current situation, rural finance faces serious financial repression in China, it shows in five areas, including insufficient supply of rural financial institutions, dysfunction, poor service, obvious loans contradiction, difficulties in the development of private financial, funds flow from rural areas to cities and double layout imbalance of financial institutions. There exists a Two-way interaction mechanism between the rural finance development and farmers income promotion. Thus, the comprehensive deepening the rural financial system reform has a practical significance in increasing the farmer income.