“四化”同步背景下我国农村金融制度创新研究

摘要

农业现代化作为“四化”同步的一项重要内容，将成为中国农业发展的方向。农村金融对于农村经济发展具有重要作用，农村金融将会成为促进农业现代化发展的重要动力。然而现阶段农村金融已无法满足农业经济发展的需要，农村金融制度亟待创新。自然灾害频繁发生、忽视市场化运作、传统的思想观念没有得到突破、农村信贷资金大量外流和过分强调发展小额信贷等是我国农村金融制度没有得到根本性创新的原因。因此要实现农村金融制度创新，首先应该破解上述五个方面的难题。%As an important part of the“Four Modernizations”Synchronization,the notion of“modernization of agriculture”serves as the direction of China’s agricultural development. With an important role played in rural economic development,rural finance is becoming an important driving force to promote the development of the modernization of agriculture. However,rural finance at the present stage has long been unable to meet the needs of the development of agricultural economy,and the rural financial system needs to be innovated. However,the system remains unanimated due to such factors as frequent natural disasters,negligence of mar-ket-oriented operation,the outdated ideas,huge outflows of rural credit capital and over-emphasis on the de-velopment of micro-credit. Therefore,in order to break through the limits of current rural financial system, we must consider how to solve the above-mentioned problems.