农业现代化建设中农村金融供、需主体及其特征的现实考察——以山东省为例

Practical Investigation of the Rural Financial Supply,Demand Party and Its Features in the Modernization of Agriculture Construction——Taking the Shandong Province as the Example

农村金融不仅是现代农村经济的核心,也是推进农业现代化建设的关键力量。近年来,我国农业现代化进程进一步推进,农村金融体制改革也在逐步深化,农村金融需求支持力度得到增强。可以看见农村地区金融机构的服务水平不断提升、网点覆盖范围也在不断扩大。但是,农村金融的一些深层次问题与矛盾也逐渐暴露出来,这势必会影响农村金融供、需状况以及现实发展特征。为进一步推进农业现代化进程,保障农村金融市场有序发展,解决"三农"问题,有必要了解当前我国农村金融供、需主体现状及其特征。

Rural finance is not only the core of the modern rural economy,but also to promote the key force agricultural modernization. In recent years,to further promote the process of agricultural modernization,rural financial system has gradually deepened,demand for rural financial support to be enhanced. It finds that financial institutions in rural areas and improve service levels,network coverage is also expanding.However,some deep- rooted contradictions and problems of rural finance are gradually exposed,which is bound to affect the rural finance demand and supply situation and develop realistic features. To further promote the process of agricultural modernization,security and orderly development of the rural financial market,to solve the ' three rural' issue,it is necessary to understand China's rural financial demand and supply and the main features of the current status quo.