我国农村金融体系的缺失与对策研究

自1999年金融体制改革以来,国有商业银行基本取消了县级机构的放贷权,农村资金通过信用社流向城市等使得农村发展得不到充足的资金支持。笔者拟对我国农村金融体系存在问题的成因从商业银行"不为"、政策性银行"不能"、合作金融"无力"等几个方面进行分析,并从农业银行的有限商业化、重构农业政策性金融、加快农村信用社改革等几个方面提出相应的对策。

Study on the Loss of Rural Financial System in China and Its Countermeasures

Since the reform of the financial system in 1999,state-owned commercial banks abolished the lending right.Rural capital through credit cooperatives flowed into city,which caused the inadequate financial support of rural development.The causations of the existing problems in rural financial system in China were analyzed from several aspects,including the commercial bank "not to",policy banks "can not" and cooperative finance "insolvent".Countermeasures were put forward from the aspects of the limited commercialization of agricultural bank,agricultural policy financial reconstruction,accelerating the reform of rural credit cooperatives and so on.