供需均衡视角下山西省农村金融现状分析及对策

农业是关系国计民生的重要基础产业,农村金融是农业生产、农民增收的重要保障。山西是地处中部的农业大省,农业人口占全省总人口的2/3。作为中部崛起战略重点建设的地区之一,受全省经济转型的拉动,山西省农村经济的快速发展迫切需要金融的大力支持。本文以供需均衡为视角,针对山西省农村金融发展现状,深刻剖析农村金融供给不足的原因,围绕以强化政策性金融、坚持合作性金融为重点的农村金融体制改革,发挥地方政府配套政策的支持作用,优化农村金融生态环境,建立信贷资金回流农村的长效机制,实现金融资源在城乡之间的合理配置。

Analysis and Countermeasures of Shanxi Rural Financial Situation from the Perspective of Supply and Demand Balance

Agriculture is the important basic industry in national economy and people＇s livelihood,and rural finance is the important guarantee of agricultural production and increasing farmers＇ income. Shanxi is an agricultural province located in the central Shina,whose agricultural population accounts for the two-thirds of the total population. As one of the key areas in the central construction strategy,the rapid development of rural economy is urgently in need of financial support with the economic transition. This paper is based on the rural financial development status in Shanxi in the perspective of supply and demand balance,and raises the solutions to the current rural financial problems. My point of view is that the rural financial system reform is focussd on strengthening the role of financial policy and adhering to financial cooperation,with the government＇s guidance of rural economic development and financial ecological construction,establishing a long-term recycling mechanism of rural credit funds,which can balance the relocation of finance resources between rural and urban areas.