中国农村金融的现状、问题及出路

Actualities,Problems and Ways Out of Chinese Rural Finance

由于种种体制上的原因 ,中国在“三农”上的金融扶持力度一直存在总量不足与低效的困境 ,如政策性金融杯水车薪 ,束缚于体制樊篱下难以自拔 ;商业性金融天生就普遍歧视农业 ,大量“惜贷” ,而农村合作性金融则异化成为小型商业银行 ,成为商业银行名副其实的农村派驻机构 ;民间金融举步不前 ,徘徊于体制关隘之外。以“三农”为经 ,中国农村金融体制改革为纬 ,中国加入世界贸易组织为背景 ,分析目前存在于中国农村金融服务体系中的种种纰漏 ,并结合中国“三农”之实际提出一些完善中国农村金融体系的建议 ,解决“三农”融资难的问题。

Thanks to some systematic reasons, China's supports on agriculture, rural and farmers have been insufficient and inefficient. The political finance is too inadequate and fettered under the systematical drawbacks, unable to extricate itself from it. The commercial finance was born to look down upon the agriculture, not to want to loan. The rural cooperative finance has also been deviated into small commercial banks and become the rural posted institutions of commercial banks. The private finance has stopped in taking a step, restrained beyond the financial system. Taking the problems of agriculture, rural and farmers as the latitude, the reform of China's rural financial system as the longitude, China's accession into the WTO as the background, this paper mainly analyzes all kinds of defects in China's rural financial service system, and further puts forward some suggestions on systematical improvements to solve the financing difficulties of agriculture, rural and farmers by combining their actualities in China.