关于丽水市农村金融改革和发展的建议

Suggestion of Lishui Rural Financial Reform and Development

中国农村金融存在的两大难题是:三农需求大,融资难;城乡差距大、普惠难。解决银行信用采集以及有效担保物缺失问题来缓解融资困境,而在降低成本的情况下在各乡镇布置金融网点有利于金融普惠的推广。通过对丽水农村金融改革的背景以及现状的介绍,分析改革过程中存在金融主体缺位、金融服务弱化、信贷制度不够健全以及金融生态环境不佳等不足。从降低金融服务成本,提高金融服务质量和改善金融环境三个方面对未来农村金融改革提出建议。

There are two big problems in our country’s rural finance.One is the large demand of three dimensional rural but hard financing,the other is the wide gap between urban and country but difficult inclusive.Solving credit collection and lack of valid guaranty for banks and layfinancial website in different villages as low cost,all these are good for extend inclusive finance.By introducing the background about Lishui rural financial reform,analyzing the insufficient,include the omission of financial subject,deficiency of financial serve,imperfect of credit system and misadventure of financial environment,thus put forward advices on lower financial serve cost, improving financial serve quality and perfecting financial environment.