新农村建设与农村金融创新研究陈明.pdf

2007 6 新农村建设与农村金融创新研究 The Study of Financial Innovation in Rural Areas 陈 明 安秀梅 李 茜 CHEN Ming A N Xiumei LI ian ( 100081) [ ] 经过近多年的改革, 我国农村金融服务水平有所提高, 但还 在着 一些不和谐因素, 主要 是农村金融服务的覆盖面低农民贷款难小额信贷发展不足邮政储蓄资金严重外流农村金融机构发 展的可持续性差政策性金融不到位等, 这些问题已经成为了制约新农村建设的瓶颈我们认为, 解决当 前农村金融服务中 在的上述问题, 必须以中央农村金融改革的方针为指导, 进 一步解放思想, 开阔思 路, 深化农村金融改革, 加快农村金融创新, 构建一个多种形式并 合理分工功能互补适度竞争 可持续发展的多元的竞争性开放性的农村金融体系, 采取全方位的政策措施来构筑社会主义新农村建 设的强大金融基础 Abstract : After in thelast few years! reform, China! s rural financial services has been improved, but there are still some factors of disharmony, including the low coverage of financial services in rural areas, difficulty in getting loans for farmers, insufficiency development of micro- credit, the serious outflow of postal savings funds, poor sustainable development of rural financial institutions, financial policy is not in place and so onT hese problems have become a bottleneck restricting the building of a new countrysideIn order to solve these problems, we must further emancipate the mind, deepen rural financial reform under the center government! principleof financial reform in rural areasWe believe that acceleraterural financial innovation, build a rural finance system which contains various forms, rational division of the work, ap propriately competitive and sustainable development is most importantFurther more we must make this rural system more multiple, competitive, open and then adopt a comprehensive policy measures to build a strong financial foundation for the building of a new socialist countryside [] 新农村建设 农村金融 创新 Key words: New rural construction Rural finance Innovation [ ] F83243 [ ] A [ ] 1000- 1549 ( 2007) 06- 0024- 06 2004 , ∀ # , 200