服务乡村振兴战略的农村金融供给保障研究  

On the rural financial supply serving the rural revitalization strategy in China

作　　者：傅兆君[1] 张文杰[1] FU Zhaojun;ZHANG Wenjie(School of Economy and Management, Southeast University, Nanjing 211189, China)

机构地区：[1]东南大学经济管理学院,江苏南京211189

出　　处：《南京邮电大学学报（社会科学版）》2020年第4期23-31,共9页Journal of Nanjing University of Posts and Telecommunications(Social Science Edition)

基　　金：东南大学社科重大引导立项项目“城乡融合发展视野下乡村振兴战略研究”(3214008109)。

摘　　要：传统金融体制导致农村金融有效供给不足,制约了乡村振兴的步伐。从制度设计、机构发展、业务操作三方面对制约我国农村金融供给的因素进行考察发现:现有农村金融体系并未契合农业生产与农民收入的特点,形成借贷需求缺口;不同类型的农村金融机构发展差异较大,新型农村金融机构的成长受多种因素制约;农村抵押物与担保机制缺乏,导致涉农贷款受到信贷歧视。应当建立健全农村金融体系,增强对新型金融机构的法律保障、行政监管与财政扶持力度,拓宽抵押渠道,创新担保机制,促进供需平衡。Due to the credit discrimination of traditional financial institutions,the rural financial supply in China was not abundant for a long time,restricting the development of rural revitalization.Factors restricting the supply were from three sides:system,institutions and business.The existing rural financial system does not fit the characteristics of agricultural production and farmers’income,causing the loan demand void.The development of different types of rural financial institutions is unbalanced and the new rural financial institutions are restricted by multiple factors.And the lack of collateral and guarantee mechanism results in the agricultural loan credit discrimination.To balance the loan supply and demand,a sound rural financial system should be in place.The legal protection of new financial institutions,administrative supervision and financial support should be improved.Meanwhile,it is essential to widen the types of collateral and reform guarantee mechanism.

关 键 词：农村金融 乡村振兴战略 金融体制改革 

分 类 号：F830[经济管理—金融学]