日本农村合作金融发展、改革及启示

The Development,Reform and Enlightenment of Japanese Rural Cooperative Finance

农村普惠金融的发展一定程度上提高了金融供给量,改善了农村金融环境,但当前中国贫困及低收入人口、中小微企业等农村弱势群体仍难以获得金融支持,农村金融供求之间还有很大缺口。日本农村合作金融以遍布全国城乡的农协为载体,以服务农业、农民为宗旨,以完善的风险防范制度为基础,为会员提供了全面的金融服务。研究日本农村合作金融发展及改革经验,对我国发展农村普惠金融具有借鉴意义。

The development of rural inclusive finance could improve the financial supply and the rural fi- nancial environment to a certain extent. However, there is still a big gap between the financial supply and demand, since the disadvantaged groups in rural areas, such as the poor and low - income population and the SMMEs, are still difficult to get financial support. With agricultural cooperatives all over the country as the carrier, serving agriculture and farmers as the purpose, and perfect system of risk prevention as the basis, Japanese rural cooperative finance has provided comprehensive financial services for all members. We could actively develop rural inclusive finance, by studying from the development and reform experi- ence of Japanese rural cooperative finance.