经济政策学视角下中国农村金融组织体系建设问题研析.docVIP

摘要 农村金融组织体系实质上就是一个为农村经济发展提供金融支持的体系。 运行良好的农村金融组织体系必须为农业和农村发展提供充裕的资金支持，在政 府的大力支持下各机构明确职责、分工协作，在完善的法律法规保护下充分发挥 支持三农的功能。在中国，合理的农村金融组织体系应该由三个部分构成。这三 个支撑体系分别是: 政策性金融体系、合作性金融体系、商业性金融体系。它们 成为建设农村金融组织体系的基本要素。只有政策性金融体系、合作性金融体系 和商业性金融体系相互协调配合，才能保证整个农村金融组织体系为农村提供全 面的金融服务，从而支持农村经济持续快速增长。要建立健全分工合理、投资多 元、功能完善、服务高效的农村金融组织体系，必须明确政策性金融体系、合作 性金融体系和商业性金融体系的政策目标，根据不同的政策目标，制定符合其发 展的政策，才能充分发挥政策性金融、合作性金融和商业性金融组织相互配合起 到发展农村经济的作用。本文尝试在这些方面努力探索，使论文在理论上既有一 定的新意，又能提出一些切实可行的对策建议。 关键词：农村金融；组织体系；政策目标 III ABCTRACT Rural financial system is essentially a rural economic development for the financial support of the system. Well-organized system of rural finance for agricultural and rural development must provide adequate financial support, the support of the government agencies clear responsibilities, division of labor, improve the laws and regulations in full support of agriculture under the protection of the function. Well-organized system of rural financial organizations should be composed of three parts in China. The three support parts are: policy-oriented financial system, the cooperative financial system, commercial financial system. They become the basic elements of the system of rural financial organizations. The policy-oriented financial system, the cooperative financial system and the commercial financial system coordinate in order to ensure that the rural financial system for rural areas provides comprehensive financial services to support the rural economy continuous growth rapidly. To establish a sound division of labor, investment diversity, functional, and efficient rural financial system, it must be clear to know policy objectives of the policy-oriented financial system, the cooperative financial system and the commercial financial system. Depending on the policy objectives, consistent with its development policy formulation in order to give full play to policy finance, cooperative finance and commercial finance organization together play a role in the development of rural economy.