对我国农村金融服务创新模式的思考  

On the Innovation Model of Rural Financial Services in China

作　　者：满明俊[1,2] 周民良[3,4,5] 

机构地区：[1]中国农业银行博士后工作站 [2]中国人民大学农业与发展学院 [3]中国社会科学院工业经济研究所 [4]中国社会科学西部发展研究中心 [5]中国社会科学院研究生院

出　　处：《创新》2013年第3期16-19,126,共4页Innovation

基　　金：教育部人文社会科学研究青年项目<农村新型金融组织功能定位及其可持续发展的影响因素研究>(11YJC790135);国家社科基金青年项目<农民专业合作社融资创新理论与实践研究>(10CJY043)阶段性成果

摘　　要：通过对我国农村金融服务创新的理论思考及其四种模式的分析,提出以下建议:在现代农业快速发展的背景下,农村金融服务创新应该突破以单一客户贷款为主的传统模式,以农业生产专业化、组织化和社会化特征为导向,发挥金融机构的技术、网络、管理优势,开展依托农业经营主体间、产业间的联动关系的综合性金融服务。这样既有利于兼顾金融服务的效率性和普惠性,也有利于形成具有自我循环功能的良性资金运行机制。Through the theoretical thinking of rural financial services innovation in China and analysis of four types of its innovation modes,this article proposes as follows: with rapid development of modern agriculture,the rural financial service innovation should make breakthrough in the traditional mode by providing loans for individual clients.By taking the specialization,systemization and socialization of agricultural production as guiding,and making use of the advantages of financial institutions in technology,network and management,comprehensive financial services should be provided by relying on the linkage among agricultural operators or the agricultural industries.This will not only help to improve the efficiency and inclusiveness of financial services but also to establish the benign capital operation mechanism with the function of self circulation.

关 键 词：农村金融 模式 创新 

分 类 号：F323[经济管理—产业经济]