我国农村金融存在的主要问题与发展路径选择

农业生产的特点和农民信用担保能力不足致使农村金融风险过大,严重影响了农村金融的稳定和发展。分析我国农村金融存在的问题,学习和借鉴西方国家发展农村金融的先进经验,积极拓展农村金融市场,稳定我国大型商业银行在农村金融中的主导地位,发挥民间资本在促进农村发展中的作用,进一步完善我国农业信用担保制度,对于规避和分散风险,提高国家、民营和个人投资农村金融的积极性,探索加快我国农村金融发展的有效路径,促进三农问题的顺利解决具有重要意义。

The main problems existing in rural finance of China and the path choice of the development of rural finance

The character of agriculture production and the insufficiency of farmer credit guarantee ability lead to the big risk of rural finance,which seriously influences the stability and development of rural finance.Analysis the problems existing in rural finance of China,learning and drawing lessons from the advance experiences of the development of rural finance of western countries,actively expanding the market of rural finance,stabling the dominant position of large commercial banks of China in rural finance,p...