我国农村金融市场发展探析.docVIP

我国农村金融市场发展探析 摘 要 如果把国民经济发展比作一艘战舰，那么金融体制的发展和完善就是其强大的引擎。农村金融对我国农业经济的发展亦是如此。农村金融市场的发展和完善直接影响“三农”问题的解决，关系我国的社会主义现代化建设，关系到社会主义新农村和社会主义和谐社会的建设。本文从我国农村金融市场目前的发展状况出发，总结其中存在的主要问题。包括农村金融市场的竞争缺失，农村资金的大量外流，农户资金借贷困难，民间金融的活跃以及农村金融服务的滞后。深入分析问题存在的原因，尤其利用供求曲线来分析农村金融抑制的影响，指出了农村现存金融机构的各种局限。并在此基础之上，针对现存的问题，提出了发展和完善我国农村金融体系的政策性建议。 关键字 农村金融； 农村信用社； 信贷资金 The Study Of The China’s Rural Financial Market Development Abstract If the national economy development is compared to a battleship, then the development and perfection of the financial system is its powerful engine. The influence of rural financial to our agriculture development is also like this. The development and perfection of the rural financial market has directly influence in solving the problems about agriculture, countryside and farmers. Also affects our countrys socialist modernization and the constructions of the new socialist rural areas and the harmonious society. This paper, based on the present situation of the rural financial market of our country, summarizes the existing main problems among them, including the miss of competition in rural financial market, outflows of rural capital, hard in borrowing funds of farmers, dynamic of the private financial and lag of the rural financial services. In-depth analysis the reasons of problems, especially the use of supply and demand lines to analysis the influence of rural financial repression, point out various limitations about the existing rural financial institutions. And on this basis, in view of exiting problems, this paper puts forward the policy suggestions in developing and perfecting our countrys rural financial system. Key Words Rural financial; rural credit cooperatives; credit funds 1发展农村金融的意义 在经济市场化和货币水平不断提高的过程中，作为现代经济中资源配置的核心，金融发挥着越来越重要的作用。农村金融业的发展和完善，关系到我国的粮食安全，是社会主义新农村建设的必要条件，是社会主义现代化进程中的重要内容。 1.1 农村金融与粮食安全 我国有14亿人口，占世界人口的20%，但我国的耕地面积仅有20亿亩，仅占世界耕地面积的7%。而且由于城市化扩张，耕地面积急剧下降。中国的粮食一旦供不应求，也难以依靠国际市场来解决。所以农业生产力的提高，粮食产量的增加至关重要，而农村金融在农业生产中的作用显而易见。农村金融的发展和完善，可以使农业生