我国新型农村金融机构发展问题及对策研究

我国新型农村金融机构发展问题及对策研究
摘 要

当前我国农村金融机构快速发展，总体上成果十分显著，但是在发展的实践中问题也非常突出。本文在分析当前农村金融机构现状的基础上，看到了一些影响我国农村金融机构发展的重要问题，尤其是在风险控制、组织机构建设、资金配置、监管等方面面临着极大地挑战。本文在分析这些问题的同时，立足于我国实际情况，从不同角度提出解决对策。本文第一部分对农村金融机构的现状进行具体分析，总结出其发展特点。第二部分主要是提出现实中存在的资金、监管组织机构建设等问题，并加以分析其原因。第三部分则从农村实际出发，结合国家政策，从现实中出现的各个问题入手提出解决办法，并希望借助于这些问题的解决，找到适合我国农村金融机构可持续发展的道路。
【关键词】新型农村金融机构    问题    解决对策
Developing problems and Countermeasures of China’s new rural financial institutions

Abstract

China's new rural financial institutions is developing very fast, and the achievement is very obvious, but the problem is also very prominent in practice. Based on the analysis of the current status of new rural financial institutions, I find some important issues affecting the development of rural financial institutions, particularly in risk control, organizational development capital allocation, regulation and so on are facing great challenge. Then analysis these issues simultaneously, I find some solutions from various points. The first part of the paper is anglicizing current situation of rural financial institutions specificly, then summarize the characteristics of its development. The second part is to raise the funds existing in practice, as regulatory organizations and other issues, then analyze its causes. The third part is combining with national policy and from the reality in rural areas, find some solutions to the problem, and hopping to find the sustainable development way of the rural financial institutions.
【Key words】New rural financial institutions    Problem    Solutions

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