论中国农村金融组织结构的调整与创新

农村金融组织是农村发展的核心,但是由于发展银行政策性作用有限,农业银行在农村金融中的主导地位弱化,农村信用社不能完全适应农村经济发展的需要,人民银行的贷款量少面窄,农村民间金融组织尚待规范,商业性保险、证券、担保、信托投资、租赁等机构在农村地区,特别是中西部地区农村基本处于空白状态等原因,金融的支农作用难以充分发挥。只有加快农村金融组织结构的调整与创新,完善农村金融组织体系,才能确保农村经济的有序发展。

The Restructuring and Innovation of Chinese Rural Financial Organizations

Rural financial organization is the core of the rural development.But with the limited policy role of the De- velopment Bank of China,the functions of the Agriculture Bank of China is weakened,which makes rural Credit Coop- eratives unable to meet the rural economical development.Because of the insufficient loaning from the People Bank of China,the less standardized Nongovernmental Rural Financial Organization,and the blank in the mid-west areas in terms of comarcial insurance,securities,guarantee,trust,investment and leasing,there is not enough financing support to the rural economic development.Through the restructuring and innovation of rural financial organization,the local financing system can be established to maintain the sustainable development of the rural economy.