中国农村金融制度变迁的滞后原因

中国农村经济发展之所以滞后于城市经济发展，固然有很多原因，其中一个重要原因，就是农村经济体制改革滞后于城市经济体制改革，以及与其相联系的农村金融体制改革滞后于农村经济体制改革。农村金融体制改革面，晦的主要问题是如何培育农村金融交易条件。当前应当把深化农村信用社的改革放在突出的位置，并因势利导地发挥民间信用在农村资金融通中的补充作用。

Factors Deterring the Transformation of Rural Financial System in China

One of the most important reasons why rural economy lags far behind urban economy is that the reform of rural economic system is behind that of urban economic system. In addition, the reform of rural financial system stags behind that of urban financial system. The focus in the reform of rural financial system should be on how to perfect conditions for rural financial transactions. Therefore, we should emphasize the reform of rural crediting cooperation association, and conduct financing through non-governmental credits in rural areas.