论中国农村信贷的可持续发展

农村信贷是我国金融体系的重要组成部分。农村信贷的可持续发展对于提高农村“货币化”程度、优化农村产业结构、提高农业比较利益具有重大意义。实现农村信贷的可持续发展 ,必须遵循农村信贷资金运动规律 ,增强农村信贷宏观管理的计划性和科学性 ,增强信贷风险管理的可控性 ,建立信贷风险的分散与转移制度 ,建立不良资产的补偿机制。

On the Sustainable Development of Credit in Rural Regions

Rural credit is an important part of the financial system in China. Based on the analysis of the connotation and characteristics of rural credit, this paper defined the notion of rural credit sustainable development, and pointed out that, in order to improve the monetarism degree, optimize the industrial structure in rural areas, it is necessary to realize the sustainable development of rural credit. Therefore the credit capital circulation law should be followed firmly. That is to rationally and scientifically enhance its macroscopic governance and control over credit risks, establish policies to decentralize and transfer loan risks, set up compensation systems for the mal assets.