基于金融约束分析视角下的农村金融改革研究

Rural Financial Reform Based on Financial Constraint Analysis Perspective

建国以来,我国农村金融一直处于高度抑制之中,由此产生了诸多问题。金融约束理论适合我国的基本国情,对我国农村金融改革具有重要的指导意义,政府应通过为农村金融制度建设创造条件、完善农业政策性金融、、承认民间金融存在的合理性,大力发展民间金融,但同时要引导、规范农村民间金融管理,防范金融风险等方式进行农村金融改革。

Since the founding of the PRC,finance in the rural area suffered serious repression which resulted in many problems.Financial constraints theory suited to China’s basic national condition and has important guiding significance for China’s rural financial reform.Government should vigorously develop nongovernmental finance through creating conditions for rural financial system construction,improving the agricultural policy finance and recognizing the existence of private banking.At the same time,to guard against financial risks,rural non-governmental financial management should be guided and standardized.