新型农村金融机构发展存在的问题及对策研究  

Research on the Problems and Countermeasures in the Development of New Rural Financial Institutions

作　　者：尹靖凯 YIN Jingkai(Inner Mongolia Rural Credit Union,Hohhot 012000,China)

机构地区：[1]内蒙古自治区农村信用社联合社,内蒙古呼和浩特012000

出　　处：《商业观察》2024年第12期101-104,共4页BUSINESS OBSERVATION

摘　　要：国家政府部门为更好地推进农村经济发展,提出了扶持农民专业合作社和龙头企业发展、推进城乡经济社会发展一体化等举措,这些举措间接地表明了我国对农村经济发展是非常重视的。2022年以来,内蒙古农村信用社保持战略定力,坚守主责主业,业务发展迈上新台阶。文章采用文献资料法、逻辑分析法等研究方法,对我国新型农村金融机构发展情况进行研究,经过研究指出新型农村金融机构发展中存在市场退出机制不完善、资金来源不充足、缺乏高素质人才、金融产品单一的问题,并提出建立完善的市场退出机制、拓宽资金来源渠道、提高人员素质、创新金融产品的优化对策,旨在推进新型农村金融机构的可持续发展,提升国民经济整体发展水平。To better promote rural economic development,national government departments have proposed measures such as supporting the development of farmers'professional cooperatives and leading enterprises,and promoting integrated urban-rural economic and social development.These initiatives indirectly indicate that China attaches great importance to rural economic development.Since 2022,Inner Mongolia rural credit cooperatives have maintained strategic determination,stuck to their main responsibilities,and made new progress in business development.This paper uses literature review and logical analysis to research the development of new rural financial institutions in China.The research points out the problems of imperfect market exit mechanism,insufficient capital sources,lack of high-quality talents,and single financial products in the development of new rural financial institutions.It also proposes optimization measures such as establishing a sound market exit mechanism,broadening the capital source channels,improving staff quality,and innovating financial products,aiming to promote the sustainable development of new rural financial institutions and enhance the overall development level of the national economy.

关 键 词：金融 金融机构 新型农村 

分 类 号：F275.2[经济管理—企业管理]