对我国农村金融问题的现实思考

The Consideration on China's Rural Finance

在中国农业正面临着朝着现代化方向发展的需要 ,农村金融却未能发挥相应的核心作用。本文通过对农村广义货币供应量、农村信贷资产总量、农村金融机构盈利能力、资本充足率和组织体系的现实审视 ,试图找出农村金融发展与经济发展需要间的差距 ,既而从提升农村金融产业地位、改革农村金融组织体系、农村地区利率自由化、推进金融产品创新和培植竞争力等方面提出若干思考。

Accompanied by the modrnizing trend of China′s rural economy,the rural financial system seems to be lagged reformed and contribute insufficient to the agricultural sector.This paper observes and discusses several aspects of the rural financial development,including M2 and aggregate credit asset in rural regions,the profitability and capital adequacy of rural financial institutions.The conclusions are following.The organizational structure should be promoted.The interest rates in rural financial market may be liberalized.Financial product innovation and management upgrading are necessary to improve the competitiveness of the whole industry and individual institution as well.