改进农村金融服务“最后一公里”的思考(下)——以江西省部分农村乡镇信用社为例

The Thinking of the Improvement of the Rural Financial Service “Last Mile”——Taking Some Rural Credit Cooperatives in Jiangxi Province for Example

文章通过对江西省部分乡镇农村信用社金融服务情况的调查和分析,来展示当前农村基层金融机构与农村经济、农村社会之间的关系,并分析了农村金融中资金使用情况,资金供求关系、资金供求主体和资金流动方向的发展和变化情况。特别是针对农村金融服务与农户金融需求之间还存在一些不通畅的情况,提出改进农村金融"最后一公里"服务的对策建议:一是农村金融要熟悉"地方知识",二是广大农户要了解"国家知识",三是固定成本就一定不能降低吗?四是农村金融要"雪中送炭",五是金融不是唯一重要的。

Through the investigation of financial service in some rural credit cooperatives in Jiangxi,this paper shows the relationship among the rural finance organization,rural economy and rural society,and analyzes the use of funds in the rural finance,the supply - demand changes of funds,the direction of the fund flow. Especially with the situation that the farmer’s financial demand is very violent while the rural financial supply cannot thoroughly fit up financial demand,this paper makes the suggestions for the improvement of the rural financial service“Last Mile”：Firstly,the rural finance organization should know about the“local knowledge”;Secondly,the farmers should under-stand the“national knowledge”;Thirdly,the fixed costs should be reduced;Fourthly,a timely source of rural finan-cial help will be needed;Fifthly,the finance is not the only important.