论我国金融支农机制的建设

由于农业的弱质特征及农村金融机构的商业化改革，我国金融支农的力度明显不足，导致我国城乡收入差距扩大，影响到我国经济的可持续发展。而完善的金融支农机制，有利于疏通储蓄向农村投资的通道，促进农村经济的发展。因此，我国应借鉴国际成功经验，结合我国农村金融服务需求的特点，构建起央行和财政的政策与资金作扶持、银行机构的金融服务为主导、保险与担保等机构充当后盾、资本市场提供补充服务的多元化金融支农机制。

On the financial supporting mechanism for rural economy in China

Due to the weakness of agriculture and the commercialization reform of rural financial institutions, China＇s financial support for agriculture is obviously inadequate, which leads to the expansion of urban-rural income gap and affects the sustainable development of China＇s economy. A better mechanism of financial support for agri- culture will help keep savings flowing to the investment in rural economy and promote rural economic development. Therefore, by learning from foreign countries, taking into consideration the characteristics in rural financial serv- ices, China should set up a diversified financial supporting mechanism for rural economy. This mechanism is to be supported by the central government bank and fiscal policies, with financial services of banking institutions as its main role and insurance and security institutions, and the capital market as its back-up.