新型农村金融机构可持续发展的现状、制约因素和对策

从新型农村金融机构的可持续发展现状来看,一方面,其资产、负债、所有者权益和税后利润快速增长,资产质量较好,且资本充足,盈利能力逐年改善.另一方面,其信贷规模快速增长,对农户和小企业的贷款占比较高,有效地缓解了农户和小企业的信贷约束.在可持续发展方面存在问题,一是新型农村金融机构对农户和小企业的贷款占比有下降趋势,贷款对象偏离农户,区域分布不合理；二是其发展缓慢,结构不合理,且流动性不足,盈利水平偏低.针对这些制约因素,提出促进新型农村金融机构可持续发展的对策.

The Current Situation, Constraints and Countermeasures of Sustainable Development of New Rural Financial Institutions

As for current situation of the sustainable development of new rural financial institutions, on one hand, the assets, liabilities, owner''s equity and profit after tax grow rapidly with better asset quality and adequate capital. The profitability improves year by year. On the other hand, the size of credit grows rapidly, and the proportion of loans to farmers and small businesses is higher, which effectively eases the credit constraints of farmers and small businesses. However, there are two following problems of sustainable development. Firstly, the proportion of loans to farmers and small businesses of new rural financial institutions shows a downward trend, the loan objects deviate from the farmers, and the distribution of institutions is unreasonable. Secondly, the institutions develop slowly with irrational structure, lack of liquidity and low level of profitability. To solve the constraints impacting the sustainable development of new rural financial institutions, authors try to put forward some proposals to improve the sustainable development of new rural financial institutions.