改革开放30年来农村金融改革的思考

改革开放30年来，金融为农村经济发展发挥了积极作用，但农村地区“融资难”现象依然存在。为进一步深化农村金融改革，促进农村经济发展，需要出台支持涉农金融机构发展的优惠措施，大力创新农村贷款担保及保险业务，加快建立健全适应“三农”特点的多层次、广覆盖、可持续的农村金融体系，鼓励和引导金融机构创新信贷产品和信用模式，发挥地方政府在农村金融改革发展中的主导作用。

Thinking on Rural Financial Reform after 30 Years of Reform and Opening-up

Although finance has been playing an active role in rural economic development during 30 years of reform and opening-up, hard-to-financing phenomenon still exists in rural area. For further rural financial revolution and promoting rural economic development, many supportive steps which would promote rural financial system development should be applied including, vigorously innovating rural loan secure and insuranee business, rapidly establishing and improving rural financial system which adapted to ＂ Peasant Rural and Agriculture ＂, encouraging and guiding innovations of credit product and credit modes in financial institution, giving full play to local government＇s leading role in rural financial development.