摘 要
“三农”问题是关系我国改革、发展和稳定大局的重大课题，如果得不到很好的解决，极有可能导致我国改革开放的大号局面毁于一旦。所谓“三农”问题，就是农业、农村和农民的问题。“三农问题突出边线在农民收入的持续下降、农业的基础地位得不到重视和巩固以及城乡差距的日益扩大上面。导致“三农”问题日益加剧的重要原因之一，就是目前的农村金融制度安排不能够满足农村经济主体的融资需求。因此，研究我国农村金融发展问题，具有重大的现实意义。必须从整体着眼，对农村金融机构、政府功能重新定位和进行战略性调整，推行全面的农村金融制度改革。从新制度经济学的分析视角，做出了农村金融支持农村经济发展的具体措施。
关键词：农村金融机构 、金融支农、 金融机构改革 、新制度经济学
Abstract
The so—called “sannong” problem is the current situation faced by agricultural industry, rural community and the peasants in China , with its typical symptoms being successive income decline of peasants, shaky foundational status of agricultural industry ,and enlarging gaps between rural an urban communities .One of the main causes of the problem is that the current rural financial arrangement in China has not satisfied the rural economic actors’ financing demands. It is of great importance in reality to do research on this topic. Must focus from the whole, to the rural finance organization, the government function carries on the localization and the strategic readjustment again , promote the 窗体底端overall rural financial system reform. Perspective from New Institutional Economics, proposed the development of rural economy and rural financial support of specific measures.
窗体顶端
Key words: Rural financial institutions Financial support Financial institution reform New institutional economics
目 录
一、农村金融制度的理论分析…………………………………………………6
二、调研地区农村金融机构普遍存在的问题…………………………………7
(一)我国农村正规金融机构的主要问题……………………………………7
(二)我国农村非正规金融的主要问题………………………………………8
三、建立现在农村金融制度的对策及建议…………………………………10
(一)增加金融供给，减少农村金融市场信贷配给…………………………10
(二)正确引导农村非正规金融的合法化…………………………………10
(三)加快创建良好的农村信用环境,建立农户和中小企业贷款配套政策10
(四)农村金融组织创新对策…………………………………………………10
(五)推进农村金融机构多元化的策略……………………………………11
参考文献……………………………………………………………………12
