我国农村金融服务体系的困境及纾解  

Chinese Rural Financial Service System-Dilemmas and Solutions

作　　者：冯涛[1] 魏金明[1] 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061

出　　处：《南京农业大学学报（社会科学版）》2009年第3期1-6,12,共7页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家社会科学基金项目(08BJL023)

摘　　要：我国农村金融服务长期落后并且难以改善,其症结在于现行农村正规金融服务体系的制度安排与农村金融市场需求特征严重不匹配,是一种制度性困境。近年来国家虽然加大了对农村金融的存量及增量改革并采取优惠政策扶持农村金融机构,但并未从根本上纾解农村金融服务体系的矛盾与困境。解决农村金融问题,需要把短期性的农村金融支持政策和长期性的农村金融发展政策有机结合起来。当务之急则要解决农村金融市场上的体制缺陷、农村金融供求关系不匹配等问题。The prolonged backwardness of China＇s rural financial service and its staggering improvement are caused by the serious maladjustment between the institutional arrangement of rural formal financial service system and the demand characteristic of rural finance. In fact, this is an institutional dilemma. China has increasingly reformed the stock and increment in rural finance and taken a lot favorable actions to support rural financial institutions in recent years; however, all these endeavors have failed to radically resolve the contradiction and dilemma of financial service system in rural areas. In order to resolve these issues, it is necessary to organically integrate the short-term supporting policies and the long-term development policies on rural finance. The urgent priority is to resolve the issues of institutional weaknesses in rural credit market and the maladjustment between the demand and supply in rural finance in short term.

关 键 词：农村金融体系 制度缺陷 信息特征 民间金融 农地金融 

分 类 号：F830.2[经济管理—金融学]