竞争性农村金融服务体系构建路径

现阶段农村金融存在农村信用合作社“一社独大”的局面，农信社在推动农村经济发展的同时，也影响了农村金融的有效竞争，降低了农村金融资源的配置效率。通过山东莘县农村金融问卷调查，分析了农村金融改革的成就和问题，提出农村金融改革建议，即打破农村信用社在农村金融中的垄断地位，建立与农村多种融资需求相匹配，政策性、商业性、社区性、普惠制、合作制和民间金融等多种金融组织并存的竞争性农村金融服务体系。

The Structuring Path of Competitive Rural Financial Service System

The present situation of rural finance is that only the Rural Credit Cooperatives is the biggest one bank, it is promoting rural economic development indeed, at the same time, it also affects the competition effective of rural finance, hamper the efficiency of rural financial resources. By Shenxian County in Shandong rural finance surveys, we analyzes the achievements and problems of rural financial reform, and submit reform proposals of rural financial, namely, break the monopoly position of the Rural Credit Cooperatives in rural finance, and set up the rural financial service system which match the variety of financing needs in rural areas, including a variety of coexistence competitive financial organizations of policy, business, community, inclusive finance ,cooperative, and civil finance.