中国农村金融发展的路径选择与政策效果  

The Path Selection and Policy Effect of Rural Financial Development in China

作　　者：丁志国[1] 张洋[2] 覃朝晖[1] 

机构地区：[1]三峡大学经济与管理学院,宜昌443002 [2]吉林大学商学院,长春130012

出　　处：《农业经济问题》2016年第1期68-75,111,共8页Issues in Agricultural Economy

摘　　要：本文梳理了改革开放以来中国农村金融理论发展、农村金融对经济发展的支持路径及其政策效果。在实证判别健全健康的农村金融对农村经济发展具有显著支持作用的基础上,分别从理论和实际两层面分析了中国农村金融的发展方向以及亟待解决的问题。显然,当下中国农村金融发展过程中政府的政策性支持与引导不可或缺,而农村金融从业人员的素质提升与服务创新则显得尤为重要,并且农民关于安全借贷和诚信借贷的意识培养亦十分必要。因此,作为一个特殊重要的金融服务类别,农村金融能否在其发展过程中始终以农村经济发展为目标、并伴随时代的变迁和进步不断进行自我修复与完善,将成为未来农村金融政策选择和发挥政策效果的关键。This paper reviews the theory development,the support path to economic development and the policy effect of rural finance in China since the reform and opening up systematically. Based on the empirical discrimination that sound rural finance plays a significant role in rural economic development,analyzing the development direction and the problems to be solved of rural finance in China from the theoretical and practical level respectively. Obviously,the government's policy support and guidance is indispensable,employees ' quality improvement and service innovation is particularly important,and Farmers ' awareness of Truth-in-Lending is also very necessary for China's rural financial development. Therefore,as a special and important financial services category,whether the rural finance can always take the development of the rural economy as the goal,and keep improving along with the times will be the key to the path selection and policy effect of rural finance in the future.

关 键 词：农村金融 农村经济 路径选择 政策效果 特殊服务类别 

分 类 号：F832.35[经济管理—金融学]