湖南宁乡农村金融体系发展现状研究

Research of Status Quo of the Rural Finance in Ningxiang County Hunan

农村金融对推动农村经济发展具有重要作用。湖南宁乡农村金融市场现状表现为农民贷款需求量不断增加、农民对金融产品的需求呈多样化趋势、民间借贷是农民借贷的第一大渠道,但是现阶段正规农村金融缺位,农村金融产品单一,农村金融管理与政策不完善,农业保险作用缺失,无法满足农民的金融需求,加强农村金融生态环境建设,建立健全农业保险制度,完善正规农村金融管理与政策等措施对湖南省农村金融与农村经济发展具有积极作用。

The development of the rural economy is largely inseparable from the progress of rural financial. To develop the rural economy and to achieve the farmers＇ goals of living and working in peace and contentment, we should focus on rural finance, and optimize the rural financial market and enhance activity of rural financial markets. This article takes rural finance as research object through a questionnaire survey based on 600 farmers in 4 towns in Ningxiang Cotmty in Hunan Province. The article analyzed absence between supply and demand of formal rural finance, rural financial products single, deficiency of rural financial management and policy, Lack of agricultural insurance and so on. In order to develop rural finance, it is necessary to strengthen the construction of rural financial ecological environment, to establish and improve agricultural insurance system, to improve the formal rural financial management and perfect the policy.