我国农村信贷资金供给不足的探讨

近年来,我国对于"三农"的关注度不断提高,在完善和加强农村金融服务方面已经取得了很大的成效。我国农村地区基本上形成了以"商业性金融、政策性金融、合作性金融"为主体的农村金融组织,这一金融体系对"三农"经济的发展发挥了很大的支持作用。但是也存在很多问题,主要集中在农民日益增长的贷款需求与金融机构追求效益偏好之间的矛盾,农村信贷资金供给不足,资金短缺仍然是目前我国农村经济发展的"瓶颈"。

Analysis on the Deficiency in the Rural Credit Funds Supply

Since recent years, China has highlighted the issues of agricuhure, rural areas and peasants, and has an immense effect in the improvement of rural financial service. A rural financial system having“the commercial fi- nance, the policy finance and the cooperative finance” as the major parts has by and large been in place, which has a titanic support for the economic development. Yet some problems are still out of control, such as the conflict between the increasing rural credit funds and the financial institutes＇ pursuit of beneficial result, and the deficiency in the rural credit funds supply, they are still the restricts of the economic development in our country.