重庆新型农村金融组织发展研究

摘要

基于对我国新型农村金融组织的整体把控，分析了重庆市的农村金融组织的总体情况，运用一般分析与个别分析相结合的方法，分析了重庆市村镇银行、小额贷款公司、农民资金互助组织这3种主要的新型农村金融组织类型发展情况及面临的问题，从政府、新型农村金融组织和农村村民3个角度提出了相应的解决措施：政府应着力于政策与法律约束建设，帮助新型农村金融组织创新业务活动，并相应加大扶持与宣传力度；新型农村金融组织应着力创新自身业务形式，提高内部结构的优化，利用人力资源与自身优势吸引商机，注重盈利性与社会性的协调发展；农村村民也应该提高对新型农村金融机构的信心与支持度，促进其规模的不断扩大。%Based on the overall grasp of new-type rural financial organization in China, we analyzed the overall situation of rural financial or-ganization in Chongqing City.General analysis and individual analysis were combined together.The development situation and confronting problems of three major new-style rural financial organizations were analyzed, which were village banks, small loan company, and farmer mu-tual financing organization in Chongqing.Corresponding measures were put forward from three aspects of government, rural farmers and new-type rural financial organization: the government should enhance the policy and the law in order to help the organization to operate innovative events.The new-type financial organization should create more innovative activities, and optimize internal structure to attract more business opportunity and develop themselves, pay attention to the coordinated development both profitability and sociality .The peasant should have more faith and support for the new-type rural financial organization, and to promote the expansion of the scale.