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我国城乡发展失调,有历史、政策、制度、金融等方面的原因。经济发展与金融发展密切相关。农村金融的发展能够有效提升农村地区资本的集聚,带动该地区资源配置效率与技术的提高,从而推动农村地区的经济发展,增加农民经济收入。为此,应制定适合农村金融发展的政策制度,扩大农村资金投放,制定农村金融激励制度,取消金融机构对农民的贷款门槛等,以抑制城乡差距继续扩大。
The imbalance between urban and rural areas in our country has some historical, policy, institutional and financial reasons. Economic development is closely related to financial development. The development of rural finance can effectively increase the concentration of capital in rural areas and promote the efficiency and technology of resource allocation in the region so as to promote the economic development in rural areas and increase the economic income of peasants. To this end, we should formulate a policy system suitable for the development of rural finance, expand rural capital allocation, set up a rural financial incentive system, and lift the threshold for lending by financial institutions to peasants so as to curb the continuous expansion of urban-rural gap.