西南地区农村金融态势比较与路径选择  

Comparative Analysis on Rural Finance Development of Southwest Region and Path Choice

作　　者：胡秋灵[1] 赵静[1] 

机构地区：[1]陕西师范大学国际商学院,陕西西安710062

出　　处：《改革》2010年第6期49-55,共7页Reform

基　　金：国家人文社会科学基金项目"完善农村金融体系和强化农村金融服务研究"(批准号:07BJY169);教育部人文社会科学基金项目"预期;不确定性与最优货币政策研究"(批准号:06JA790068)

摘　　要：从农民人均纯收入、农业存贷款及乡镇企业贷款、农村金融机构的发展、农业保险及小额人身保险四个方面分析西部大开发十年来西南五省份农村金融的发展情况,结果表明:农民人均纯收入稳步增加,生活水平不断提高;农业存贷款逐年提高,乡镇企业贷款趋于下滑;农村金融机构建设加快,金融服务明显改善;农业保险迅速发展,农村小额人身保险初显优势。尽管西部大开发十年来,西南五省份农村金融取得了较大发展,但由于我国农村金融建设起步晚,还存在一些问题,应尽快建立新型农村金融体系,提高金融服务质量。From the aspects of per capita net income of peasants,agricultural deposits and loans,loans of township enterprises,development of rural financial institutions,and agricultural insurance and half penny life-insurance,this paper analyzes rural finance development of the five southwest provinces during the first decade of the grand western development program.The analysis shows that：per capita net income of peasants has steadily increased and living standards have continuously been improved;agricultural deposits and loans increase year by year and township enterprises loans tend to decline;construction of rural financial institutions speeds up and financial services are obviously improved;agricultural insurance rapidly develops and rural half penny life-insurance is showing the advantage slightly.During the first decade of the Grand Western Development Program,southwest rural finance in five provinces has made great progress.However,there are some problems because of the underdeveloped rural finance construction in the southwest of China.It is suggested to build a new rural financial system quickly and improve financial service quality.

关 键 词：西部大开发 农村金融 西南地区 

分 类 号：F832.35[经济管理—金融学]