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1、解決農(nóng)村融資難題加快農(nóng)村經(jīng)濟發(fā)展【摘要】農(nóng)村融資困難，一直以來都是一個制約中國農(nóng)村和農(nóng)業(yè)健康發(fā)展的難題?，F(xiàn)今情況下，農(nóng)村經(jīng)濟發(fā)展速度明顯加快，各種投資增長較快，對資金的需求量增加，但是，從資金供給角度來看，農(nóng)村經(jīng)濟中直接融資和間接融資都存在很大障礙。資金供給增長不快，資金供需缺口較大等等這些難題嚴重地制約了農(nóng)村經(jīng)濟的可持續(xù)健康發(fā)展。中國農(nóng)村金融體系的健康發(fā)展是農(nóng)村經(jīng)濟主體的正常金融需求，對于促進農(nóng)村經(jīng)濟的可持續(xù)發(fā)展，促進農(nóng)民收入的穩(wěn)定增長，維護國民經(jīng)濟的有序平穩(wěn)運轉具有至關重要的作用。但是，在金融體系建設中，農(nóng)村經(jīng)濟實體融資難
2、已經(jīng)成為制約農(nóng)村經(jīng)濟發(fā)展的瓶頸。?文章從融資需求的現(xiàn)狀和特征，農(nóng)村融資難的原因，以及其對經(jīng)濟發(fā)展的阻礙，解決農(nóng)村融資問題的建議措施幾個方面分析當前我國農(nóng)村金融體系中存在的融資難的問題，以期解決當前中國農(nóng)村融資現(xiàn)狀之困局?！娟P鍵詞】融資難；經(jīng)濟發(fā)展；資金需求；農(nóng)村經(jīng)濟體系[Abstract]TheDifficultiesoffinancinginruralareashasalwaysbeenaconstraintonthehealthydevelopmentofChina'sruralandagriculturalproblem
3、s.Now,ruraleconomicdevelopmenthassignificantlyaccelerated,avarietyofinvestmentgrewfaster,anddemandforfundsIncreased.ButFromthepointofmoneysupply,thereisabigobstacleintheruraleconomyaboutdirectandindirectfinancing.Difficultiessuchastheslowgrowthinmoneysupplyandthegap
4、betweensupplyanddemandoffundshaveseriouslyhampereddthesustainableandhealthydevelopmentoftheruraleconomy.ThehealthydevelopmentofChina'sruralfinancialsystemisthenormalfinancialneedsoftheruraleconomythemain.Ithasacrucialroleforthepromotionofthesustainabledevelopmentofr
5、uraleconomy,thepromotionofthesteadygrowthoffarmers'income,andtomaintainorderlyandsmoothfunctioningofthenationaleconomy.But,inthefinancialsystem,thefinancingdifficultiesofruraleconomicentitieshavebecomeabottleneckrestrictingthedevelopmentoftheruraleconomy.Inthearticl
6、e,IanalyzetheproblemoffinancingofChina'sruralfinancialsystem,andgiveafewsuggestionstosolvetheproblemofruralfinance.TheaimistosolvethecurrentstatusofChineseruralfinance.【Keywords】DifficultiesinfinancingTheconstructionofruralfinancialsystemEconomicdevelopmentCapitalre
7、quirement目錄1.背景………………………………………………………………………………………………………22．分析我國農(nóng)村的融資現(xiàn)狀…………………………………………………………………………………32.1農(nóng)村金融結構的轉變及融資問題的產(chǎn)生72.2農(nóng)村資金供需不均衡，融資缺口不斷擴大………………………………………………………………32.3融資渠道窄，資金來源少，融資形式單一，對信貸資金依賴性強……………………………………32.4融資利率高，費用多，成本大，投資回報低，經(jīng)濟發(fā)展負擔重………………………………………33分析農(nóng)村融資
8、難的原因……………………………………………………………………………………33.1農(nóng)村金融體系不健全，服務水平低，金融機構信貸管理效率低，對中小企業(yè)和農(nóng)戶限制高………33.2金融生態(tài)環(huán)境不佳，制約銀行信貸投放………………………………………………………43.3農(nóng)村資金外流加劇了融
