我国农村金融体系“三元架构”模式效应分析及创新策略

Research on the "Ternary Structure" of Rural Financial System in China and Its Innovation Strategy

我国农村金融体系的构成主体包括政策性金融、合作性金融与商业性金融,三者协调作用形成了"三元架构"模式。三者协同作用可以产生放大金融功能、维持社会稳定、提高经济效率等效应。由于农村金融体系还存在部分缺陷,如涉农贷款分配不当、资金投入效率不高以及金融机构运营不当等,无法完全体现"三元架构"模式应有的功能。当前需要重新审视农村金融体系的职能,通过维持功能协调性、引入模块化竞争机制、形成金融互联网等方式,以促进"三元架构"模式这种新型农村金融体系的良性发展。

The main body of rural financial system in China includes policy oriented finance, cooperative finance and commercial finance, and through coordinating role formed ＂ternary structure＂ model, which plays a role in financial amplifier, social stability and economy promotion. But due to the rural financial system also has some defects, such as agricultural loans misallocation, investment efficiency is not high, and improper financial institutions operate, it can＇t fully reflect ought-to-be function of ＂ternary structure ＂ model.At present, we needed to re- examine the functions of the rural financial system, and by maintaining function coordination, introducing modularization competition mechanism, form the financial internet, in order to promote benign development of the new type rural financial system of ＂ternary structure＂ model.