金融排斥性与我国农村金融市场供求失衡

我国农村金融市场存在着严重的供求失衡.在农村金融机构对农村金融需求产生金融排斥性的情况下,要消解农户与农村金融机构形成借贷关系的重要障碍,就需要改革我国农村金融机构的经营模式,或者在经济落后、自然关系仍占很大比重的农村地区引入具有金融包客性的金融中介,如继续扩大乡镇银行的试点范围,成立社区性金融组织或将现有农村信用社改造成社区银行等等.

Financial Exclusion and China's Rural Financial Market Supply and Demand Imbalance

There exists a serious supply and demand imbalance in the rural financial market. In the circumstance that the rural financial institutions are having financial exclusion of the rural financial needs, in order to clear up the major barrier of forming the debit and credit relations between farmers and the rural financial institutions, we need to reform their business modes, or introduce in financial agencies which are financial-inclusive in rural areas where the economic situation are backward or the natural productive relations are of a big proportion. For example, we can continue to increase the rate of the experimental banks in villages and towns, establish community-type financial organizations, or transform the existing rural credit cooperatives into community-type banks etc.