欠发达地区农村金融服务“三农”问题的研究——以建湖地区为例.pdf

欠发达地区农村金融服务“三农”问题研究 原因，第四章提出了农村金融服务“三农”的对策及建议。 关键词：农村金融；金融服务；改革；发展资金 ABSTRACT 一—————————————————————————————————————————————————————————一 RESEARCH CONCERNING RURAL FINANCE SERVING AGRICULTURE IN LESS—DEVELOPED REGl0NS ．．．．．．with JianHu County as an Example ABSTRACT The unequal distribution of our rural financial resources，limited service level，and severely weakened supporting role in our rural financial institutions contribute to the long-time existence of the rural economic development fund bottleneck．And the reasons and reflections arc as follows．In the first place，the rural financial organization’S shrinkage and exit formed the situation that the credit cooperation serves agriculture alone，which sharpened the contradiction between the rural capital market supply and demand．And it reflects mainly in these aspects．First，the agricultural development bank，the policy financial institution，object changing its financial launch into the market，making some local agricultural infrastructure construction and development policy in accordance with our local policy can’t get credit support．Second，some state。owned commercial banks overemphasize on capital management，and unity,monetary policy focus on large and medium sized cities and developed regions，especially ICBC and agriculture bank both shrank their township organization．In the second place，the high demand of agricultural indust^alization funds lead to the situation that‘A credit cooperation alone support agriculture with difficulty’．Besides，rural capital flowed out severely,plus state。owned commercial banks absorb more deposits，but less input，making our fragile，exclusive agribusiness situation worse．In the third place，strict management system of credit and high credit affect a鲥cultural credit investment．Meanwhile，a酣culture as vulnerable industry, with many uncertain factors，once accompanied by natural disasters，its harvest would be deeplv affected，coupled with traditional high defective rate，these factors undoubtedly inf