摘要
农村金融产品和服务的创新对于增加农民收入、改变农村地区落后现状具有十分重要的现实意义。首先对我国当前农村地区的金融体系做了讨论和分析,指出了农信社在农村地区金融建设方面的主导地位和农村金融体系的"二元结构"特点。基于当前现状,分析了我国农村金融创新取得的成绩和经验,并进一步得出制约农村金融发展的因素和当前金融产品及服务的不足之处。最后,分别从健全财政政策、完善监管制度、加强同行业合作、树立创新意识四个方面提出促进农村金融产品和服务创新的建议。
The innovation of rural financial products and services are significant to improve the income of farmers and change the backward situation of rural area. With a discussion of the rural financial system, the paper points out the dominant role that the rural credit cooperatives play in the financial construction in rural areas, and the dualistic structure characteristics of rural finance system. Based on the current situation, the paper analyzes not only the achievements and experience of financial innovation in rural areas, and also the inadequacy to constrain the development of rural financial products and services. Finally, the paper offers proposals to improve the innovation of rural financial products and services from four aspects such as perfecting the fiscal policy, improving the supervision system, strengthening the cooperation of the same industry and setting up the innovative consciousness.
出处
《西安建筑科技大学学报（社会科学版）》
2015年第5期46-49,共4页
Journal of Xi'an University of Architecture & Technology(Social Science Edition)
关键词
农村
金融产品
金融服务
金融创新
rural area
financial products
financial services
financial innovation
