农村金融发展困境、制约因素及其对策  

On the Development of Rural Finance: Problems,Constraints and Countermeasures

作　　者：葛阳琴[1] 潘锦云[1] 

机构地区：[1]安庆师范学院经济与管理学院,安徽安庆246133

出　　处：《安庆师范学院学报（社会科学版）》2013年第1期26-30,共5页Journal of Anqing Teachers College(Social Science Edition)

基　　金：教育部2012年人文社科青年基金"基于改造传统农业视角的农业现代服务业引入机制研究"(12YJC790147);安徽省哲学社会科学规划项目"现代服务业改造传统农业的路径研究"(AHSKF09-10D58)

摘　　要：我国农村金融发展已取得一定成效,但存在金融机构功能定位不准确、金融抑制现象严重、农业保险体系发展滞后、农村金融产品创新不足等问题。信息不对称、交易成本高、经营风险大因素制约着农村金融发展。要使农村金融走出发展困境,就必须完善现行的农村金融体系,建立财税扶持农村金融机制,建立健全农业保险体系,创新农村金融产品,优化农村金融生态环境。China has made some achievements in the financial development of rural areas. However, there exist such problems as inaccurate functional positioning of financial institutions, serious financial repression, backward agriculture insurance system and insufficient innovation in rural financial products. Asymmetric information, high transaction costs and high operational risk re- strict its development. To promote the development of rural finance out of trouble, we should perfect the current rural financial sys- tem, establish the mechanism of fiscal support, build sound agricultural insurance systems, innovate rural financial products and optimize rural financial ecological environment.

关 键 词：农村金融 发展困境 制约因素 对策 

分 类 号：F832.35[经济管理—金融学]