我国农村金融制度变迁不足的原因及对策

我国农村金融制度供给保持着计划经济时期的政府主导模式。计划经济时期，我国实行的是城乡二元经济政策，实行农业支持工业的发展战略，在农村的金融供给具有一定的垄断性。近年来政府为改变城乡发展的巨大差异对农业进行了大力支持，实施工业反哺农业政策，这种“政策反向”在农村金融制度变迁上没有得到有效体现。文章首先描述了现阶段我国农村金融发展现状，其次分析了影响农村金融制度变迁不足的主要因素，最后提出了相应对策措施。

The Causes of Deficiency about Rural Financial Institutional Changes in Our Country and Countermeasures

The supply of rural financial system in China maintained the government dominant model in the planned economy period . The Urban-rural dual economic policy deprives agricultural resources to promote the development of industry. The monopoly of ifnancial supply reduces the costs of it. In recent years, the government supports agriculture in order to ifll the gap between the urban and rural development, and makes the industry supporting the agriculture. However, the effect of supporting policy has not been effectively relfected. The paper describes the present situation of rural ifnance in China, and analyses the main factors which affect rural ifnancial institutional changes, and puts forward the corresponding countermeasures.