CAJ | 학술논문

中国长期以来实行轻农村，重城市的发展战略使得城乡经济发展不均衡，农村金融的发展也落后于城市金融，农村地区普遍存在着金融抑制现象，呈现需求抑制和供给抑制并存的特征，严重阻碍了中国农村经济的发展。只有改变传统的信贷供给逻辑，通过打造农村资金供给的回流机制，引入竞争机制，发展金融机构，在竞争中形成多层次的农村金融机构，进一步推进利率市场化改革的进程，完善农村金融法规、审核监管以及风险保障措施，才能提高农村金融市场的效率，加强金融对新农村建设的支持力度。
중국장기이래실행경농촌，중성시적발전전략사득성향경제발전불균형，농촌금융적발전야락후우성시금융，농촌지구보편존재착금융억제현상，정현수구억제화공급억제병존적특정，엄중조애료중국농촌경제적발전。지유개변전통적신대공급라집，통과타조농촌자금공급적회류궤제，인입경쟁궤제，발전금융궤구，재경쟁중형성다층차적농촌금융궤구，진일보추진리솔시장화개혁적진정，완선농촌금융법규、심핵감관이급풍험보장조시，재능제고농촌금융시장적효솔，가강금융대신농촌건설적지지력도。
The implementation of our long-standing light rural development strategy makes heavy urban and rural economic development is not balanced,also behind the development of rural finance in the city’s financial,widespread in rural areas financial repression phenomenon,presenting the demand and supply suppression characteristics of coexistence,seriously hindered the development of China’s rural economy.Only change the traditional logic of credit supply through the supply of funds to build rural back mechanism,the introduction of competition mechanism,the development of financial institutions,multi-level rural financial institutions formed in the competition,and further advance the process of market-oriented interest rate reform,improve rural financial regulations,the audit regulation and risk protection measures in order to improve the efficiency of rural financial markets,strengthen financial support for new rural construction efforts.