农村金融发展存在的问题及对策.docxVIP

农村金融发展存在的问题及对策 ［摘要］自改革开放以來，我国的农村经济发展速度突飞猛进，农村金融机构也在农村市 场发挥十分显著的重要。但不可否认的是，由于农村经济基础实力薄弱，农村金融问题尤其 突出，贷款难、金融供给孑盾、垄断化严重、金融风险补偿机制缺失等问题，影响农村经济 的发展。本文基于农村金融的需求现状问题，分析我国农村金融发展存在的主要问题，即探 究农村经济快速发展的原因，大致有以下几点：金融供给单一，垄断化严重；农村金融融资 困难，导致农村和农业投资严重政策性金融实力较弱；农村风险补偿制度不健全；农村资 本外流严重；民间金融资本没有合理利用。因此，为了构建健康的金融环境，推动农村经济 的发展，提出了行之有效的解决对策。 Reflection on Brand with personality and CRM at the age of information [Abstract] Since reform and opening up, Chinas rural economic development speed by leaps and boun ds, rural fina ncial institutions in rural markets play a very significa nt import a nt. But it is unden iable that, as a result of the rural economy foundation weak, the rural financial problem is particularly prominent, loans difficult, severe financial supply contradiction, monopolized, such problems as lack of financial risk compensation mechanism, influence the development of rural economy. Based on the present situation of rural financial dema nd, an alyzes the main problems of the rural financial development, namely to explore the causes of rural economic rapid development, to roughly the following: single financial supply, monopolized seriously; Rural finance financing difficulties, lead to serious* rural and agricultural investment policy financial strength is weak; Rural risk compensation system is not sound; The rural capital outflow serious; No reasonable use of private capital. Therefore, in order to build a healthy fin ancial envir on ment, promote the developme nt of rural econo my, put forward effective countermeasures? [Key word] Rural financial Supply and demand Present situation 目录 TOC \o 1-5 \h \z \o Current Document 引言 1 一、 农村金融的概念 1 \o Current Document 二、 农村金融发展对农村经济的影响 1 \o Current Document （一） 农村金融发展对农村经济的正效应 1 \o Current Document （-）农村金融发展对农村经济的负效应 2 \o Current Document 三、 农村金融发展存在的问题 2 \o Current Document （-）金融供给单一，垄断化严重 3 \o Current Document （二） 农村金融融资困难，导致农村和农业投资严重 3 \o Current Document （三） 政策性金融实力较弱 4 （四） 政策性金融实力较弱 4 （五） 政策性金融实力较弱 4 四、 完善农村金融