创新农村金融服务方式的思考  

A Study on the Financial Service Innovation in Rural Areas

作　　者：曹明贵[1] 

机构地区：[1]信阳师范学院工商管理学院,河南信阳464000

出　　处：《信阳师范学院学报（哲学社会科学版）》2013年第3期62-65,共4页Journal of Xinyang Normal University(Philosophy and Social Sciences Edition)

基　　金：河南省政府决策研究招标课题(2011B660)

摘　　要：农村金融服务方式创新对新农村建设具有重要意义。创新农村金融服务方式,能够解决农户和农村中小企业贷款难问题,能够满足农民多元化金融服务需求,能够解决当前农村金融服务供需矛盾,提升农村金融服务。然而,现阶段农村金融服务方式存在服务网点覆盖率低、结算服务方式落后、金融生态环境薄弱、货币政策导向和监督功能有限、风险保障机制缺失等问题。因此,应不断创新服务理念、创新服务手段、创新服务产品、发展新型金融服务模式等,以便更好地服务于社会主义新农村建设。The innovation of rural financial services plays an itroortant role in the Construction of New Country. The innovation of the rural financial services can enhance the service-level of rural finance, solve the loans difiqculties for peasant households or rural small and medium-sized en- terprises, meet the diversified needs of financial services and solve the contradiction between supply and demand of rural financial services. At present, it presents many obstacles about the rural financial services, such as the low coverage of financial service outlets, the backward settlement way, the weak financial ecological environment, the limited monetary policy and supervisory function ,and the lack of risk safeguard mecha- nism. Meanwhile, it needs to constantly make innovation in the financial service ideas, rceans and products, and to develop the new financial service ways/methods, to serve the Construction of Socialism New Country better.

关 键 词：农村 金融服务方式 服务理念 服务手段 金融服务产品 

分 类 号：F832.35[经济管理—金融学]