农村小型金融机构的改革与发展研究

我国小型金融机构理论与实践,与国际上的微型金融组织及相关理论密切相关。目前,试点中的小型金融机构主要是小额贷款公司、村镇银行和资金互助组织等。这些小型金融机构的试点与发展,为三农问题的解决提供了低成本、便捷、实惠的金融服务。但是,实践中也存在法律地位不明确、准入门槛过高、资金来源不畅、市场定位上偏离经济弱势群体等问题,影响了其比较优势的发挥。因此应当明确法律地位,培养农村金融本土人才,培育农村金融本土资本,拓宽资金来源渠道,一心一意解决三农问题。

Small Financial Institutions in Rural Reform and Development of Research

China's theory and practice of micro-finance institutions, and international micro-finance organizations and related theories are closely linked. At present, the pilot of the small establishments is mainly micro-credit companies, village banks and mutual fund organizations. These small financial institutions and development of a pilot for the issues concerning agriculture, countryside and farmers economy provides low-cost, convenient, affordable financial services. However, in practice there are also the le...