我国农村金融的可持续发展浅析

我国农村金融的可持续发展浅析摘要：农业是国家经济的支柱产业，从古到今，从刀耕火种到铁犁牛耕，农业的每次变革，都极大地促进了社会经济的发展：近几年来，随着我国农村金融事业的不断发展，已经逐步形成了一套符合农村经济发展需要的金融体系。同时，我国也相继出台了多种形式的扶持农村金融的政策，对农村金融的需求日益增加。然而，农村金融并不像城市金融一样具有持久性、完整性：我国当前存在的最大问题是金融过剩。在此背景下，我国农业财政体制改革与可持续发展问题日益突出。要实现农村金融的可持续发展，首先要找到、分析和解决的问题。而且，更要对问题做出正确的判断，将目前我国农村金融体系的发展状况和它的特征相结合，并借鉴国外的农村金融的特性和发展现状，展开分析，然后有的放矢地提出对我国农村金融强有效的措施。关键词：农村金融：可持续发展：制约因素：对策Analysis on the sustainable developmentof rural finance in our countryAbstract:Agriculture is the pillar industry of the national economy.From ancient times to thepresent,from slash-and-burn farming to iron-plow cattle farming,every change in agriculturehas greatly promoted the development of the social economy;in recent years,with thecontinuous development of my country's rural financial undertakings,It has gradually formeda financial system that meets the needs of rural economic development.At the same time,mycountry has successively issued various forms of policies to support rural finance,growingdemand for rural finance.However,rural finance is not as durable and complete as urbanfinance;the biggest problem in my country is financial excess.In this context,the issuessurrounding the reform and sustainable development of my nation's agricultural financialsystem have grown more pronounced.To achieve the sustainable development of ruralfinance,we must first find,analyze and solve problems.Moreover,it is necessary to make acorrect judgment on the problem,combine the current development status of my country'srural financial system with its characteristics,and learn from the characteristics anddevelopment status of foreign rural finance,analyze it,and then put forward a targetedapproach to my country's rural finance.Strong and effective measures.Key words:Rural Finance;sustainable development;Limiting factor;solution目录、绪论.7(一)研究背景7(二)研究意义.71.理论意义72.现实意义.8(三)研究方法.8(四)文献综述.9二、国内外农村金融的发展状况.10(一)国内农村金融发展历程和发展现状.101.国内农村金融改革发展历程..102.国内农村金融发展现状…..10(二)国外农村金融发展状况111.美国农村金融体系…2.法国农村金融体系….123.印度农村金融体系.13三、我国农村金融发展存在的问题..14(一)农村金融供需结构矛盾..14(二)金融体系不完善.14(三)金融产品较单一，风险较大…15(四)农村金融机构信心不足.15四、促进我国农村金融发展的对策及建议16(一)解决供需结构矛盾..161.建立信贷共同分担机制..162.拓宽资金来源163.建立健全农村信用制度.16(二)完普现代金融监管体系.17(三)加大商业银行的支农力度，降低风险.17(四)加强农村合作金融，增强信心18五、结论.19致谢.21