后危机时代中国农村金融体制改革研究

近年来,中国农村金融体制获得的支持并不充分,最重要的表现就是农民和农村经济体融资困难。可以说,中国的农村金融体系是全国金融体系中最薄弱的一环。缺乏一定的金融服务和金融产品致使农民贷款难以及农村金融机构营利能力低下是制约农村金融体制发展的主要因素。我国农村经济改革的重中之重是加速农村金融改革的步伐,以此作为解决"三农"问题的切入点和建设社会主义新农村的关键点。

Research of Rural Financial Reform in the Post-financial-crisis Era

China′s current financial structure does not give sufficient support to rural areas,leaving many farmers and rural businesses to lack the capital they need to develop.Rural finance is the weakest point in the country′s entire financial system.Low profits,a lack of rural financial products and services and the difficulty that many farmers experience in securing loans for rural financial institutions are the main problems plaguing the rural financial system.Accelerating rural financial reform and making it easier for rural people to access capital are the key parts of the country′s effort to reform its overall financial system,so as to resolve Three Rural Issues(San Nong).There are two hierarchies in the research objectives of the article.First,to investigate the character of rural finance supply and demand,find out the restraining factor of the development of China rural finance;second,to analyze the rural finance reform,and on that basis,explore the rural finance reform which is more perfect in function,sustainable development,suitable for extensive demand.