新农村金融:美国的经验做法及中国的路径选择--基于建设社会主义新农村视角

发展农村经济、建设社会主义新农村离不开农村金融的支持,我国现存农村金融体制的种种缺陷已经成为阻碍农村进步的绊脚石.其他国家,尤其是一些发达国家普遍建立比较完备的农村金融体制,很好支持农村和农业经济的发展,为我国农村金融的改革提供借鉴.本文对美国农村金融体制进行考察,对其农村金融组织体系及配套的扶持政策进行评介,并对比我国农村金融的不足,提出与社会主义新农村建设相适应的农村金融体制改革路径选择.主要结论有:我国农村金融体制改革,要发挥市场机制的导向作用,建立农村资金良性循环机制;政府应该承担主导作用,建立多层次、全方位的农村金融体制等.

New rural finance: American experiences and Chinese route choices--at an angle of building up new socialist countryside

Developing rural economy and building new socialist countryside need the support of rural finance. All sorts of defects about our rural finance have already become the stumbling-block that hindered the progressive in the countryside. American provides the model for our country rural finance reform. This article selected America whose rural finance structure is perfect. Comparing with the similarities and differences of different countries rural finance system and policy utilization, and discussing with various countries rural finance organization system and politics, we propose the rural finance organizational reform route choice. The main conclusions include: Our country rural finance organizational reform must display the guidance function of the market mechanism, and establish the perfect countryside fund positive cycle machine; in the other, the government should undertake the leading role, establish the multi-levelly and omni-directional rural finance system and so on.