摘要
运用系统分析方法,基于区域差异、经济活动内容与规模的差异等,分析了我国不同层次的农村金融需求。不同类型的金融需求主体,在金融需求上具有多元性、层次性的特点,需要不同的信贷方式和信贷机制进行满足。基于此,提出了农村新型金融组织差异化发展的定位选择:村镇银行应该主要设立在中西部地区以及第一产业占比高于全国平均水平的县域,主要扶持维持型农户、市场型农户和涉农中小企业,积极创新贷款品种;贷款公司和小额贷款公司可设立在具备发展潜力,经济与金融缺乏协作地区,立足于个体经营者、微小企业和农户,不断探索贷款品种和方式的创新;在经济落后的贫困地区和相对闭塞的边远地区,适宜设立农村资金互助社,主要服务于农户和微小企业,尤其是贫困农户,为社员提供存款、贷款、结算等业务,并积极开展业务咨询服务,帮助社员脱贫增收。
Based on regional differences,differences in the content and scale of economic activities,we analyze different levels of rural financial needs in China,using the system analysis method.Different types of financial need subject have characteristics of diversity and hierarchy in terms of financial needs,in need of different credit patterns and credit mechanisms for satisfaction.Based on this,we position the differentiated development of new rural financial organizations as follows： village and town banks should be established in the central and west regions and counties with the proportion of primary industry higher than the national average,to actively innovate upon loan types,support maintenance-oriented farmers,market-oriented farmers and small and medium-sized agriculture-related enterprises;loan companies and small loan companies can be established in the regions with the potential for development,lacking collaboration between economy and finance,to constantly explore the loan types and innovate upon the loan patterns for self-employed households,micro-enterprises and farmers;it is appropriate to establish rural credit union in the poverty-stricken areas with sluggish economic development and relatively isolated remote areas,to provide services for farmers and micro-enterprises,especially impoverished farmers,provide the business such as deposits,loans,and settlement for members,actively carry out business consulting services for members＇ poverty alleviation and income increase.
出处
《安徽农业科学》
CAS
2012年第20期10656-10657,共2页
Journal of Anhui Agricultural Sciences
基金
国家社会科学基金青年项目(11CJY048)
关键词
新型农村金融组织
市场定位
差异化
竞争优势
New rural financial organizations
Market positioning
Differentiation
Competitive advantage
