CAJ | 학술논문

随着国家对农村金融的改革的重视以及农村金融机构的供需不足现状，新型农村金融机构应运而生，同时在经济欠发达地区的农村金融体系中，农村新型中小金融机构有着举足轻重的地位，因此本文以大湘西地区为例，以农村金融发展的三个理论为支撑，从农村金融需求与供给的角度出发，重点分析了大湘西地区农村新型中小金融机构发展存在的问题，并联系大湘西地区的实际，提出了相应的发展对策，以帮助解决其经济发展的资金瓶颈问题。
수착국가대농촌금융적개혁적중시이급농촌금융궤구적공수불족현상，신형농촌금융궤구응운이생，동시재경제흠발체지구적농촌금융체계중，농촌신형중소금융궤구유착거족경중적지위，인차본문이대상서지구위례，이농촌금융발전적삼개이론위지탱，종농촌금융수구여공급적각도출발，중점분석료대상서지구농촌신형중소금융궤구발전존재적문제，병련계대상서지구적실제，제출료상응적발전대책，이방조해결기경제발전적자금병경문제。
With China’s emphasis on rural financial reform and in light of the insufficiency of supply and demand of rural financial institutions,new-type rural financial institutions come into being and play very important roles especially in underdeveloped areas. The paper,supported by three theories on rural financial development takes the great Xiangxi Area as an example and analyzes the existing problems in the small and medium-sized financial institutions in rural Xiangxi area from the financial demand and supply perspective. It also proposes practical measures to deal with the capital bottleneck problem in the economic development in this area.