浅谈农村金融制度改革思路——由美、日、印多元农村金融制度所得启示

Preliminary Discussion on the System Reform of Finance in the Rural Areas

美、日、印的农村金融制度,有较完善的农村金融市场,能够多渠道地为农业经济服务。因此,我国农村金融改革应借鉴他们的经验,通过改革,最终建立起一个多种组织形式并存的规范的农村金融市场。

In this paper, rural financial systems in the United States, Japan and India are investigated. It has been found that in these countries, there is a relatively mature rural financial market which caters to the rural economic activities through different channels. The experience of the three countries may provide inspiration to China's rural financial system. The diversity of the current economic structure in China requires a diversified economic system; therefore, the financial reform in the rural areas of China should be carried out in multi-dimensional mode in order to establish a standard rural financial market in diversified organizational forms.