构建我国农村多元金融体系的困境与机制创新

阐述了构建我国农村多元金融体系的必要性：一是克服农村中小企业发展资金短缺产生的瓶颈效应,增加农民收入;二是为农村现代产业发展提供资金支持,促进农村经济增长;三是合理配置资金并掌握资金流向,统筹城乡发展。深刻剖析了构建我国农村多元金融的困境：一是现有农村金融体系结构不合理、功能不完善;二是民间金融市场混乱,组织不健全;三是农村金融体系单一,农村信用社体制改革尚未完成;四是农村金融法律法规体系建设滞后、农村多元金融体系建设缺乏良好的的社会环境。提出了构建我国农村多元金融体系机制创新的具体思路、措施和对策：一是不断完善法律体系,为农村多元金融体系构建提供法律支持;二是加快推进农村信用社体制改革,完善其在农村多元金融体系中的功能;三是加大扶持和开发力度,改变农村金融体系结构单一的局面;四是加强行政监管以及完善公共服务,规范农村金融市场秩序。

The Difficulties and Mechanism Innovation of Constructing China's Rural Multiplex Financial System

This paper expounds the necessity of constructing China's rural multiplex financial system as follows.First,overcome the bottleneck effect arising from the shortage of capital in the process of development of rural small and medium-sized enterprise,and increase farmers' income;second,provide capital support for rural modern industrial development,and promote rural economic development;third,rationally allocate capital,master the money flow and coordinate urban-rural development.The paper also profoundly ana...