农村金融面临的困境与出路——基于社会主义新农村建设的思考

通过对新农村建设中农村金融所面临的金融组织体系不完善、功能缺失，农村资金流失严重、金融供给严重不足，保险市场发展滞后，农村金融生态环境欠佳，金融创新能力不足、服务功能缺失等困境因素的分析；从金融支持新农村建设的体制保障，动力支持，体制环境，外部条件和发展平台等视角，提出了完善农村金融组织体系、建立多层次的农村金融机构，建立农村资金反哺回流机制、增加农村金融有效供给，大力发展农业保险、完善风险保障机制，改善农村金融生态环境，创新农村金融服务产品、丰富农村金融服务内容等新农村建设中深化农村金融改革的政策建议。

The trouble facing country's finance and its way out——Thoughts based on the construction of the new countryside

Based on the study of the various troubles such as the inadequate financial organization,the imperfection of function,the heavy loss of rural capital,the lack of the financial supply,the far behind of the insurance market,the imperfect condition of the rural financial ecological system,the inability of financial cultivation and the lack of service function in the construction of the new countryside,the article puts forth the idea of improving the financial organization,the insurance system and the rural fin...