破解农村金融发展不平衡不充分问题的经济逻辑与政策路径

The Economic Logic and Policy Path to Solve the Unbalanced and Insufficient Development of Rural Finance

本文聚焦农村金融改革中的不平衡不充分问题,从现象梳理到本质分析,基于历史与逻辑相结合的视角系统阐释问题背后的成因:农村金融不平衡的重心是政策性问题,不充分的重心是发展问题。本文提出,在新发展理念指引下,农村金融改革必须坚持以农民为中心的发展思想;以创新发展为动力,激活农村金融内生发展潜力;以绿色金融为抓手,积极探索激励相容的农村金融结构;以协调发展为原则,构建可持续的农村金融生态体系;以开放发展为引领,逐步优化金融支农的市场化结构;以实现共享为目标,深化普惠金融服务"三农"的体制机制改革。

This paper focuses on the insufficient and unbalanced development in rural financial reform. From the symptom to the analysis of essence, based on the combination of history and logic, this paper systematically explains the causes behind the problem: the focus of rural financial imbalance is policy problems, and the key to insufficiency is development issues. This paper points out that under the guidance of the new concept of development, rural financial reform must adhere to the idea of taking farmers as the center;taking innovative development as the driving force to activate the potential and endogenous development of rural finance;actively exploring the incentive compatible rural financial structure by facilitating green finance;setting coordinated development as its principle to build a sustainable rural financial ecosystem. By leading open development, we should gradually optimize the market structure of financial support for agriculture and deepen the reform of the system and mechanism of inclusive financial services for agriculture, countryside and farmers in order to achieve the goal of sharing.