CAJ | 학술논문

通化县域金融机构在农村地区的资金吸纳能力与金融供给数量存在不平衡的现象。具体来说,有的金融机构在农村地区吸收存款数量较多,但信贷投放相对较少;有的机构信贷投放力度较大,但资金吸纳能力有限。本文提出通过政策手段调整县域资金供给结构,即让支农力度较大的县域金融机构占有更多的资金,这将有效增加支农资金的供给总量,进而推动通化县域地区＂三农＂经济的快速发展。
통화현역금융궤구재농촌지구적자금흡납능력여금융공급수량존재불평형적현상。구체래설,유적금융궤구재농촌지구흡수존관수량교다,단신대투방상대교소;유적궤구신대투방력도교대,단자금흡납능력유한。본문제출통과정책수단조정현역자금공급결구,즉양지농력도교대적현역금융궤구점유경다적자금,저장유효증가지농자금적공급총량,진이추동통화현역지구＂삼농＂경제적쾌속발전。
The deposit and loan of county financial institutions in Tonghua is not even.To be specific,some county financial institutions absorb a large amount of deposits in rural areas,but only offer limited loans.However,for other institutions which offer huge loans to rural areas,it’s difficult to increase the deposits.It is suggested by this paper that the county capital structure of demand and supply should be adjusted by government policies,and only by this way the total amount of capital to support the rural areas can be increased and the rural economy of Tonghua can be stimulated.