功能视角下我国农村金融体系的组织优化路径研究  

Study on Organization and Optimization Paths for China’s Rural Financial System from the Functional Perspective

作　　者：顾海峰[1] 蔡四平[2] 

机构地区：[1]东华大学旭日工商管理学院,上海200433 [2]湖南商学院财政金融学院,湖南长沙410082

出　　处：《金融发展研究》2013年第9期73-77,共5页Journal Of Financial Development Research

基　　金：教育部人文社会科学研究青年基金项目(项目批准号:11YJC790051);中国博士后科学基金项目(项目批准号:20090450683);国家社科基金项目(项目批准号:09BJY109);中央高校基本科研业务费专项资金项目(项目批准号:11D10827);教育部哲学社会科学研究重大课题攻关项目(项目批准号:08JZD0016)

摘　　要：金融作为现代经济的核心,是社会主义新农村建设不可或缺的因素。然而,现阶段我国农村金融体系未能发挥对农村经济发展的支撑作用。本文基于功能视角,将我国农村金融体系划分为商业性金融体系、合作性金融体系、政策性金融体系以及民间性金融体系,并分别探讨各类农村金融体系组织优化的实现路径。研究表明,通过对农村商业性、合作性、政策性及民间性金融体系的优化,可以有效提升我国农村金融体系的服务效能,该研究成果将为加快我国新农村建设的科学化实践提供理论指导与决策参考。Finance is the core of modem economics and an indispensable element for the construction of socialist new countryside. However, currently rural finance system has not been able to exert its functions in supporting the ru- ral economic development. From the functional perspective, this paper divides our rural financial system into rural commercial financial system, rural cooperative financial system, rural policy financial system and rural folk financial system. It also discusses on the paths to accomplish the organization and optimization of various rural financial systems. The study shows that through optimization of rural commercial, cooperative, policy and folk financial system, the service efficiency of our rural financial system can be effectively raised. This research result will provide theoretical guidance and policy-making reference for the acceleration of the construction of socialist new countryside.

关 键 词：功能视角 农村金融体系 组织 优化 路径 

分 类 号：F830.34[经济管理—金融学]