农村金融体制创新的研究

目前我国农村金融抑制问题突出，表现为农村金融体制存在对农村经济发展的适应性差、稳定性差、功能定位模糊和功能弱化等问题，文中在重点分析我国现行农村金融体制绩效现状基础上，构建了我国农村金融体制创新的“市场化取向”和“放开农村金融市场准入，实行农村金融机构多样化”的总体框架，提出了深化农村信用社和农业发展银行改革、规范农村金融市场秩序、发展新型金融主体的对策。

Study On Innovation of Rural Financial System

The problem of rural finance suppression is conspicuous. The current rural financial system is not suitable for the development of rural economy. On the basis of analyzing the efficiency of the rural financial system, this paper puts forward the marketability principles of rural financial system innovation and its basic framework which relax the criteria for market-access and develop various financial institutions. Then it puts forward the countermeasures which deepen the reformation of rural credit cooperative and rural development bank, regulate rural financial market orders and develop new financial entity.