| 农村金融体制改革的新视角 |
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| 引用本文： | 陆岷峰,葛虎.农村金融体制改革的新视角[J].山东科技大学学报(社会科学版),2010,12(3):83-88,100. |
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| 作者姓名： | 陆岷峰 葛虎 |
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| 作者单位： | 南京财经大学,金融学院,江苏,南京,210046 |
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| 摘 要： | 农村信贷难形成的原因主要有农村信贷的高风险、低收益，缺乏有效的担保机刺和不完善的信贷市场，政府扶持力度的不足，以及金融机构在人才和产品上的投入相对较小。因此，必须。从金融体制上对金融机构在农村的信贷产品供给、风险分散等角度进行突破，并在行政政策和市场之间建立有效的协调机制才能从根本上解决农村信贷难问题。
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| 关 键 词： | 农村金融 体制改革 农村信贷 |
New Perspective on Rural Financial System Reform |
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| LU Min-feng,GE Hu.New Perspective on Rural Financial System Reform[J].Journal of Shandong University of Sciences & Technology(Social Science),2010,12(3):83-88,100. |
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| Authors: | LU Min-feng GE Hu |
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| Institution: | (Finance Institute, Nanjing University of Finance, Nanjing , Jiangsu 210046, China) |
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| Abstract: | From the perspective of the financial system, this paper analyzes the causes of rural credit difficulty. In addressing the difficult problem of rural credit,a breakthrough should be made in the financial system of rural areas in terms of the supply of credit products,and risk diversification and effective coordination mechanism between administrative policies and the market. |
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| Keywords: | rural finance system reform rural credit |
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