摘要
论文在文献回顾的基础上,把我国农村金融需求概括地分为农村发展需求、农业生产需求和农民生活需求三个层次。经过各层次需求因素的分析,指出了现有农村金融改革目标中存在的问题,并以农村信用社改革为例,说明商业化是农村信用社改革模式的现实选择。同时认为即将启动的国家新农村建设、农村信用社前期改革的成果、以及紧锣密鼓的国有商业银行改革,都为其市场化的改革提供了良好的外部条件。
Based on the review of some literatures, this paper divides the rural financial demands into three different categories： the financial demands for development, for agricultural production, and for daily life. Through the analyses of each category, the paper points out the main problems in the rural financial reforms, and suggests that commercialization is a practical choice for the Rural Credit Cooperatives （RCCs） reform. It is believed that the government scheme of building a new countryside, the initial reform of the RCC, and the reforms the state- owned commercial banks have actively paved the way for the further marketlization reform of rural financial system.
出处
《金融研究》
CSSCI
北大核心
2006年第7期53-64,共12页
Journal of Financial Research
