论文部分内容阅读
我国农村金融市场目前的典型特点是内生性的民间信贷市场和外生制度安排的正规金融机构市场并存,且两个市场相互割裂。在新农村建设背景下,增量改革使民间信贷市场逐渐萎缩,正规金融机构逐步变消极为主动,农村金融市场改革开局良好。顺应今后发展趋势,在增量改革的同时着力推进存量改革,方为农村金融市场发展的关键。
The typical characteristic of China’s rural financial market at present is the coexistence of the endogenous private credit market and the market of the formal financial institutions arranged by the exogenous system, and the two markets are separated from each other. Under the background of new rural construction, the incremental reform has caused the private credit market to shrink gradually, the formal financial institutions have become increasingly passive, and the rural financial market reform has started well. In line with the future development trend, efforts should be made to promote stock reform while incremental reform, which is the key to the development of rural financial markets.