摘要
经过近多年的改革,我国农村金融服务水平有所提高,但还存在着一些不和谐因素,主要是农村金融服务的覆盖面低、农民贷款难、小额信贷发展不足、邮政储蓄资金严重外流、农村金融机构发展的可持续性差、政策性金融不到位等,这些问题已经成为了制约新农村建设的瓶颈。我们认为,解决当前农村金融服务中存在的上述问题,必须以中央农村金融改革的方针为指导,进一步解放思想,开阔思路,深化农村金融改革,加快农村金融创新,构建一个多种形式并存、合理分工、功能互补、适度竞争、可持续发展的多元的、竞争性、开放性的农村金融体系,采取全方位的政策措施来构筑社会主义新农村建设的强大金融基础。
After in the last few years＇ reform, China＇s rural financial services has been improved, but there are still some factors of disharmony, including the low coverage of financial services in rural areas, difficulty in getting loans for farmers, insufficiency development of micro-credit, the serious outflow of postal savings funds, poor sustainable development of rural financial institutions, financial policy is not in place and so on. These problems have become a bottleneck restricting the building of a new countryside. In order to solve these problems, we must further emancipate the mind, deepen rural financial reform under the center government＇ principle of financial reform in rural areas. We believe that accelerate rural financial innovation, build a rural finance system which contains various forms, rational division of the work, appropriately competitive and sustainable development is most important. Further more we must make this rural system more multiple, competitive, open and then adopt a comprehensive policy measures to build a strong financial foundation for the building of a new socialist countryside.
出处
《中央财经大学学报》
CSSCI
北大核心
2007年第6期24-29,共6页
Journal of Central University of Finance & Economics
关键词
新农村建设
农村金融
创新
New rural construction Rural finance Innovation
