我国农村金融供需非均衡性问题及对策研究

Unbalance Problems and Countermeasures Research of Rural Financial Supply and Demand

我国是一个有着13亿多人口的大国家,其中农村人口就达8亿多以上,农业是工业和服务业等的基石。金融作为社会经济的核心在社会主义经济发展过程中发挥着重要作用,建设中国特色社会主义和谐社会,重点和难点都在"三农"问题上,"三农"问题一直是党和国家非常关心的问题。农村金融的稳定发展直接关系着我国农业生产的持久增长,农民收入的有效增加和农村经济社会的繁荣稳定。农村金融体制仍存在很多需要解决的问题,尤其是农村金融的供需存在很大的非均衡性。本文从理论角度出发,分析了当前我国农村金融供需的现状以及所存在的问题原因,并从我国国情出发,结合实际情况,对农村金融的供需实现高水平均衡的构建提出了一些可行性的政策建议。

China has a population of over 1.3billion,which has more than 800 million rural household. Agriculture is the foundation of the industrial and service, such as,Finance as the core of the social economy plays an important role in the process of socialist economic development, the importance and difficulty of building a harmonious socialist society with Chinese characteristics is the 'three rural' issue.the 'three rural' issue has been the great concern of the party and the country.The stable development of rural financial is directly related to the sustaining growth of agricultural production, the effective increase of the farmer's income and the prosperity and stability of the rural economy and society in China. The rural financial system still exists many problems which needed to be solved, Especially,The supply and demand of rural finance exists great disparities, From theoretical perspective, this paper present situation and the existing problems of china's rural financial supply and demand, and proceeding from China's national conditions, combing with the actual situation, We put forward some feasible policy suggestions for the rural finance supply and demand construction to achieve the high level balance.