农村金融发展策略探析——以山东省农村金融体系为例

Countermeasures of Shandong Rural Financial Development

本文介绍了山东农村金融市场的结构和特点,分析了抑制山东农村金融市场发展的因素,特别是农村金融发展中存在的金融抑制、农村金融机构缺位和农村金融市场的需求不匹配的问题。最后,给出发展山东农村金融市场的对策建议:进一步放开和健全农村金融市场、推广农业保险、支持农村金融创新、推进农村利率市场化改革以及加大政府对农村金融的农业信贷支持等。

This paper introduced the structure andcharacteristics of rural financial market in Shandong,and then,analyses the factors which restricts the development of rural finance in Shandong. This paper analyzed the absence of ruralfinancial institutions in Shandong,financial repression,and the problem that the rural financial market does not match thefinancial demand.Finally, the development of countermeasures to rural financial markets： further liberalization and improve rural financial markets, promote the agricultural insurance,supporting rural financial innovation, promote market-oriented interest rate reform and increasing rural agriculture to rural finance government credit support.