摘要
改革开放以来,陕西省农村金融在金融组织、金融产品和服务创新、支付体系、金融生态环境建设等方面取得了显著效果,成为助推"三农"发展的重要力量。本文分析了当前陕西农村金融中存在的新型农业经营主体需求无法满足、融资渠道狭窄、需求方"贷款难"和金融机构"难贷款"现象并存、贷款期限与农业生产周期不匹配等问题,并围绕深化农村金融机构改革、金融产品服务创新、发挥政策合力、改善农村金融生存环境等提出对策建议。
Since the reform and opening up,rural finance in Shaanxi Province has achieved remarkable results in financial organizations,financial products and service innovation,payment systems,and financial ecological environment construction.It has become an important force to promote the development of“agriculture,rural areas and farmers”.This paper summarized the current problems in rural finance in Shaanxi,such as,the demand for new agricultural enterprises cannot be met,the financing channels are narrow,the demand side“difficult to lend”and the“difficult loans”of financial institutions coexist,and the loan term does not match the agricultural production cycle.And it also proposed countermeasures based on intensifying reform and innovation,deepening financial institution reform and financial product service innovation,and exerting the synergy of finance,finance,and industrial policies to create favorable conditions for rural financial reform and development.
作者
王若羽
WANG Ruoyu(Xi’an Sub-branch PBC,Xi’an Shannxi 246000)
出处
《西部金融》
2019年第1期61-64,共4页
West China Finance
关键词
农村金融
金融服务
金融创新
rural finance
financial services
financial innovation
