湖北农村金融体系的重构与发展

湖北是一个农业大省,但湖北农村金融服务对农村经济的促进作用十分微弱。湖北农村金融体系存在金融抑制现象,具体表现为供给型金融抑制与需求型金融抑制并存,现行农村金融制度安排有着严重的缺陷。湖北农村金融体系的重构应遵循市场经济的运作规则,目标是要建立一个新型的、竞争性的农村金融体系。具体来说,湖北绝大部分农村信用社应走农村商业银行的发展道路,农村政策性金融要进行创新,并准确进行市场定位。同时应完善湖北农村金融监管体系,切实加强和改善对农村金融体系的监管。

The Restructure and Improvement of the Rural Finance System in Hubei Province

Hubei is a large province in agriculture but the facilitation of the rural financial service to the rural economy is very faint. Finance restraint exists in the rural financial system of Hubei and embodies in two types of demand and supply. There are serious defects in the current rural financial system arrangement. We should comply with the discipline of the market economy to restructure a completely new- competitive one. Particularly- most of the rural credits of society should step into the road to improve the rural commercial banks. The rural policy-related finance needs innovation and carrying on market orientation accurately. At the same time- the supervision of the rural financial system should be strengthened and improved.