城乡一体化发展中的农村金融体系建设

Construction of Rural Financial System during the Process of Urban-rural Integration

我国尚未建立完善的农村金融体系,"三农"经济主体和小企业的信贷需求难以满足。农业金融的主要功能就在于将资金配置到农业现代化、新型城镇化和城乡一体化的建设中来,而当前的新农村建设也为资金提供了新的机会和投资需求,新型城镇化建设将是未来推动我国经济社会发展的重要力量。以中国农业银行、农信社和邮储银行为代表的商业银行应该在城乡一体化建设中发挥主导作用。随着互联网技术、大数据和云计算领域的深刻变革,在金融领域将会引起新的商业模式和服务模式的产生、孕育和发展,服务于农业现代化建设的新型金融形式将是一股不可忽视的新生力量。

A sound rural financial system has not been set up in China. The credit of the economic entities of＂issue concerning agriculture,countryside and farmers＂and small enterprises cannot be satisfied. The major function of agricultural finance is to allocate funds to the construction of agricultural modernization,urbanization and urban-rural integration. The new rural construction also provides opportunities and investment requirement to funds. New urbanization construction will be an important force to promote China＇s economic and social development in future. Commercial banks such Agricultural Bank of China,Rural Credit Cooperatives and Postal Saving Bank should play leading roles in the construction of urban-rural integration. With the profound changes in internet technology,big data and cloud computing,new business models and service models will come into being and develop rapidly. New financial forms which serve in the construction of agricultural modernization will be a force to be reckoned with.