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近年来我国农村金融体系逐步完善,特别是东部发达地区,伴随农村信用社的转制和商业性金融、保险等的业务渗透,为支持农村经济发展,活跃地区金融作出了较大贡献。但是从供求来看,农村金融的供求矛盾,仍是困扰农村经济发展的重要问题。本文一是从制度保障入手,主要从风险补偿角度、利率市场化方面来分析农村金融市场引进商业性金融的可行性;其次是充分发挥城市商业银行业务发展的需要,从商业性金融机构的内生金融需求角度出发来探讨如何利用城市商行的业务特性和业务结构,作为农村金融市场一个主要力量;三是建议进一步发挥国有商业金融的主力军作用;四是从财政支持角度去支持农村金融市场。通过这四项措施,主要可以进一步补充和完善农村金融市场参与的金融主体,同时规范市场运作,为农村金融市场的可持续发展打下基础。
In recent years, China’s rural financial system has been gradually improved, especially in the developed eastern regions. With the transformation of rural credit cooperatives and the business infiltration of commercial finance and insurance, the rural financial system has made great contributions to supporting rural economic development and active regional finance. However, from the perspective of supply and demand, the contradiction between supply and demand in rural finance is still an important issue that troubles the rural economy. This article first starts with the system guarantee, mainly analyzes the feasibility of introducing commercial finance in rural financial market from the perspective of risk compensation and interest rate liberalization. Second, it gives full play to the needs of urban commercial banks’ business development, from the commercial financial institutions From the angle of financial demand, we should explore how to make use of the business characteristics and business structure of city commercial banks as a major force in rural financial markets. Third, we suggest that we should give further play to the main force of state-owned commercial finance. Fourthly, we should support rural financial markets from the perspective of financial support . Through these four measures, we can further supplement and improve the financial subjects that participate in the rural financial markets, standardize market operations and lay the foundation for the sustainable development of rural financial markets.