中国农村金融的功能定位与组织体系构建——基于需求变动视角  

On the Functional Orientation and the Organizational System Construction of China's Rural Finance:from the Perspective of Demand Changes

作　　者：李敬[1,2] 付陈梅[2] 冉光和[3] 

机构地区：[1]重庆市人民政府发展研究中心,重庆400020 [2]西南大学,重庆400716 [3]重庆大学,重庆400030

出　　处：《江西财经大学学报》2010年第4期75-79,共5页Journal of Jiangxi University of Finance and Economics

基　　金：国家社会科学基金项目(07CJY035);"十一五"教育教学规划项目(EGA070270);中国博士后科学基金特别资助项目(200902283)

摘　　要：在新形势下农村经济社会发展的多变性而衍生了农村金融需求的多变性,通过新形势下农村金融的功能定位讨论,得出有效、可持续地满足农民生活性金融需求是农村金融的基础功能,并诱导生产性金融需求持续快速增长是农村金融的核心功能,进而全面促进农村劳动分工与专业化生产是农村金融的本质功能的结论。当前要做好农村金融组织的"存量改革",同时辅之以"增量创新"。"存量改革"的重点是培育现有农村金融组织的胜任特征,"增量创新"重点是促进农村金融管理运营模式创新和农村金融服务领域创新。Under the new situation,the variability of the rural economic and social development derivates the variability of the demand of rural finance.Through discussion of the functional orientation of rural finance under the new situation,this paper draws a conclusion that to effectively and continuously meet the financial demands in farmers’life is the basic function of rural finance;to induce a continuous and rapid growth of productive financial demand is its core function;and to accelerate comprehensively the rural division of labor and specialized production is its essential function.At present,we should carry out the ＂stock reform＂ of the rural financial organizations,which is,at the same time,complemented with ＂ increment innovation＂.The focus of the ＂stock reform＂ is to foster the characteristics of being competent for the existing rural financial organizations;the focus of ＂increment innovation＂ is to help the rural finance to booster the innovation of the management and operational mode and the innovation of the services.

关 键 词：需求变动 农村金融 功能定位 

分 类 号：F832.35[经济管理—金融学]