浅谈我国农村金融体系的现状及改革

建设社会主义新农村,发展农村经济,需要得到农村金融的支持。我国农村金融体系包括农村国家金融机构和农村民间金融机构两个部分。当前农村金融体系的现状是农村国家金融机构的结构不合理、农业银行业务面过窄、农业发展银行难挑国家政策性金融重任和农村信用合作社力量日渐弱化。应通过重塑农村金融环境、调整农业银行的业务结构、深化农村信用合作社改革、建立并完善农村金融法律制度和正确引导民间金融活动等措施提高农村金融体系为＂三农＂提供金融服务的水平。

Present Situation and Reform of Chinese Rural Financial System

The support of rural finance is a guarantee to construct socialist new countryside and develop the rural economy.China＇s rural financial system includes state financial institutions and rural financial institutions.At present a series of problems exist in the system： the irrational structure of the rural state financial institutions、the narrow business scope in Agricutural Banks、the inability to shoulder the policy-oriented financial burden and the increasingly weakening power in cooperation.In order to improve the service level of the rural financial institutions in ＂Three-agriculture Service＂,such measures should be adopted as bettering the rural financial system、adjusting the business structure of Agricuture Banks、intensifying the reforms in Rural Credit Coperation、constructing and bettering the rural financial insurance system and giving correct guidances to the rural financial activities.