美国农村金融服务业发展经验及启示  

Experience of the U.S. in Developing Rural Finance Services and the Enlightenment

作　　者：徐珉钰[1] 孙伟仁[1] 邬德林[1] XU Minyu;SUN Weiren;WU Delin

机构地区：[1]大庆师范学院经济管理学院,黑龙江大庆163712

出　　处：《商业经济》2019年第3期113-114,142,共3页Business & Economy

基　　金：黑龙江省哲学社会科学青年项目:农业供给侧改革条件下黑龙江省农产品流通效率的变革研究(18YJ C255);黑龙江省哲学社会科学一般项目:推动黑龙江省粮食深加工产业价值链向高端跃升的动力机制研究(18JYB134);黑龙江省哲学社会科学项目:黑龙江省服务外包产业"价值链低端锁定"机理及高端攀升路径研究(18JYE649);大庆市哲学社会科学项目:农业供给侧改革背景下大庆市农产品流通产业结构优化研究(DSGB2017211)

摘　　要：农村金融服务业对农业现代化、农民增收和农村经济发展等方面都有积极的促进作用,而当前我国农村金融服务业在体制机制方面不尽完善。在分析美国农村金融服务业在法律法规、组织机构、金融创新等方面的发展实践和经验基础上,提出了积极扶持和完善农村信贷机构,规范农村金融服务,建立农村金融信用合作系统以及健全农村金融相关法律法规等建议,以促进我国农村金融服务业发展。Rural financial service industry plays an active role in promoting agricultural modernization, increasing farmers' income and in developing rural economy. However, the current rural financial service industry in China is not perfect in terms of institutional mechanisms. Based on the analysis of the development practice and experience of the rural financial service industry in the United States in terms of laws and regulations, organizational institutions and financial innovation, this paper puts forward some suggestions including supporting and improving rural credit institutions, standardizing rural financial services, establishing rural financial credit cooperation system and improving relevant laws and regulations of rural finance in order to promote the development of rural financial service industry in China.

关 键 词：农村金融 美国 农村服务业 

分 类 号：F830[经济管理—金融学]