完善农村金融服务体系的思考.doc

PAGE II 完善农村金融服务体系的思考 【摘要】随着农村经济产业升级和结构调整的迫切要求，农村金融服务体系的不健全和体制改革滞后，成了农村经济全面、协调、可持续发展的严重羁绊。目前，农村金融得到了一定程度的发展，但在农村金融得到发展的同时,现有农村金融服务并未真正、彻底满足农村的金融需求。本文通过分析当前我国农村金融服务体系的发展现状，针对我国农村金融服务发展的趋势和出现的问题，提出完善农村金融服务体系的措施，对我国农村金融服务方面的大力发展提供一些有价值的参考。 【关键词】农村金融服务；金融机构；农村经济 The Thinking of Perfecting the Country Finance Service System Abstract: Along with the upgrade of the rural economics industry and pressing for the structural adjustment, the distempered development of country finance service system and system reform lag become grievous fetters, which cumber the comprehensive, harmonious and sustainable development of the rural economics. At present, the rural financial has got a certain extent, but in the development of rural financial at the same time, the existing rural financial services can’t satisfy the rural financial needs really or fully. Through analysis of the development of the current Chinas country finance service system, aiming at the developmental trend of country finance service system and the arisen problem, I put forward the measures to consummate the country finance service system, to develop the country finance service system offer some valuable reference. Key words: Country finance service Finance institution Rural economic PAGE III 目 录 摘 要………………………………………………………………………………………I Abstract………………………………………………………………………………………II 引 言………………………………………………………………………………………1 一、我国农村金融服务体系的现状与完善的必要性…………………………………………1 （一）我国农村金融服务体系的现状…………………………………………………………1 （二）完善我国农村金融服务体系的必要性…………………………………………………3 二、国外农村金融服务体系的经验借鉴………………………………………………………4 （一）国外农村金融服务体系介绍……………………………………………………………4 （二）国外农村金融服务体系经验借鉴………………………………………………………4 三、我国农村金融服务体系发展中存在的问题………………………………………………5 （一）银行业金融机构撤并，支农服务体系不健全…………………………………………5 （二）农村信用社包袱沉重，力不从心………………………………………………………5 （三）金融服务手段单一，难以满足三农需求………………………………………………6 （四）农业保险发展滞后………………………………………………………………………6 （五）农村资金外流严重………………………………………………………………………7 （六）农村金融生态环境有待改善……………………………………………………………7 四、完善农村金融服务体系的对策建议………………………………………………………7 （一）发展多种类型的农村金融机构，完善农村金融服务体系……………………………8