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农村金融需求的多样化和分散性特点,要求构建多元化的金融体系来覆盖农村金融市场,从而有助于加快新农村建设,推进农村城镇化进程。现行各类银行业金融机构在体制、机制、方式上不能完全适应新农村建设对金融支持需求和经济发展的需要,制约着金融支持和服务“三农”的作用。对农村金融供给和新农村金融需求多样性研究,构建多层次、广覆盖可持续的农村金融服务体系,提高金融创新能力,加快推进农村金融发展改革,解决当前农村金融的难题,将有力支持社会主义新农村建设。
The diversification and decentralization of rural financial demand requires that a diversified financial system should be constructed to cover rural financial markets so as to help speed up the construction of new rural areas and promote the process of rural urbanization. All kinds of existing banking financial institutions can not fully meet the needs of financial support and economic development in new rural construction in the aspects of system, mechanism and mode, and restrict the functions of financial support and service for agriculture, rural areas and farmers. The research on the diversity of rural financial supply and demand for new rural finance, the construction of a multi-level and extensive rural financial service system that covers sustainable development, the enhancement of financial innovation capacity, the acceleration of rural financial development and reform and the solution to the current rural financial problems will strongly support the social New socialist countryside construction.