农村金融市场的培育与健康发展探析

我国农村金融市场存在较为严重的金融压制,并已造成严重后果:农村金融体系远未形成、利率失控、效率不足、潜伏较大的金融风险等。民营经济及现代农业的极大发展是农村金融市场健康发展的前提与基础,并对农村金融市场的创新提出了新的要求。鉴于此,培育与发展农村金融市场的政策选择是:开放市场,尽快建立多层次的农村金融体系;发挥政府对农村金融市场建设的指导性作用;加强对农村金融市场的监管;提升农村金融市场人力资本,扩大社会资本形成能力等以期达到金融深化。

On the Cultivation and Healthy Development of the Rural Financial Market

Financial repression of China's rural financial market is rather serious and has caused serious consequences: the rural financial system being far from being formed,runaway interest rates,lack of efficiency,relatively large potential financial risks.Great development of private economy is a prerequisite and basis of the healthy development of the rural financial market and makes innovation in rural financial market demands.In view of this,the policy choice of the cultivation and development of rural financi...