发达国家农村金融发展的经验与启示

experience and implication of the developed countries rural finance in rural revitalization

我国是一个农业大国,农业经济的发展关系到整个国民经济的发展。农业生产过程中存在很多风险。金融服务可以有效改善农业生产的经济不稳定性,降低农业生产中的风险,保障农民收入,从而实现乡村振兴。发达国家由于政府拥有有效的政治干预能力以及财政扶持能力,同时发达国家组织结构层级分明,基层之间遵循属地原则的特性,各国逐渐形成了具有自己特色的金融体系。本文从信贷、保险、金融体系构建等多方面对发达国家的农村金融体系进行探讨,这将对我国农村金融的发展具有启示作用。

China is a large agricultural country,and the development of agricultural economy is related to the development of our entire national economy.However,there are various kinds of risk in agricultural production process.Financial services can effectively improve the economic instability of agricultural production,decrease the risk and ensure farmer’s income,thereby achieving rural revitalization.Developed countries have developed their own financial systems with their own characteristics because of the government's ability to effectively intervene in political intervention and financial support.At the same time their organizational structure is clearly defined,and the grassroots principles follow the principle of territoriality.This paper discusses the development of rural finance and rural economy from the aspects of credit,insurance,financial system establishment in developed countries'rural financial system,which will enlighten us to improve rural finance.