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农村金融产业问题是建构现代农村经济,激励农村小微型企业发展的核心问题;农村小微企业融资困境则是制约我国农村区域经济健康发展的关键瓶颈。研究阐述了农村金融产业与小微企业之间的互生互促关系;从农村金融产业结构布局失衡、农村金融产业资源配置失调和农村金融产品创新能力不足等角度揭示农村小微型企业所遭受的金融抑制问题的根源;给出支持农村小微企业可持续发展的农村金融产业结构优化策略、农村金融资源配置优化策略及农村金融产品与服务创新策略。
Rural financial industry is the core issue of constructing modern rural economy and stimulating the development of rural small and micro enterprises. The financing predicament of rural small and micro enterprises is the key bottleneck restricting the healthy development of rural economy in our country. The research elaborated the relationship between the rural financial industry and the small and micro enterprises, and revealed the rural finance suffered by the small and micro enterprises from the perspectives of unbalanced distribution of the rural financial industry structure, imbalanced allocation of resources in the rural financial industry and insufficiency of rural financial products innovation ability The root causes of the problems were restrained; the optimization strategy of rural financial industry structure to support the sustainable development of rural small and micro enterprises, the optimization strategy of rural financial resources allocation and the innovation strategy of rural financial products and services were given.