CAJ | 학술논문

农村金融是现代农村经济的核心，是推进城乡统筹发展，促进农业现代化的重要支撑。在总结青岛农村金融发展情况、梳理国内外先进经验及实践基础上，针对青岛市农村金融需求潜力未释放、有效供给不足、体系不完善、信用基础薄弱等四方面突出问题，提出了积极建立农村保险和担保体系，争取开展农村抵押融资业务试点，创新发展农业产业链金融，完善农村信用体系建设等创新性对策建议。
농촌금융시현대농촌경제적핵심，시추진성향통주발전，촉진농업현대화적중요지탱。재총결청도농촌금융발전정황、소리국내외선진경험급실천기출상，침대청도시농촌금융수구잠력미석방、유효공급불족、체계불완선、신용기출박약등사방면돌출문제，제출료적겁건립농촌보험화담보체계，쟁취개전농촌저압융자업무시점，창신발전농업산업련금융，완선농촌신용체계건설등창신성대책건의。
As the essense of the modern rural economy, rural ifnance plays an important part in promoting urban and rural development and agricultural modernization. Based on summarizing the development of rural ifnance in Qingdao and advanced domestic and foreign experience, this paper focuses on solving the problems of unreleased potential financial needs, lack of effective supply, imperfect system and weak credit basis.Therefore,it proposes a creative recommendation to actively establish rural insurance and guarantee system,to promote rural secured ifnancing business, to develop the agricultural industry chain and to improve the rural credit system.