CAJ | 학술논문

该文在对中国农村金融制度变迁历史分析的基础上，着重探讨了现行农村金融制度的缺失，并从正规制度与非正规制度两方面指出农村金融制度缺失导致了农村经济融资能力低下。由此提出在实践中有一定进展的新型融资方式，即农业价值链融资。据此思路，通过传统融资与价值链融资对比，分析了价值链融资的优势。基于分析，提出了推动金融制度改革一些建议，以期解决农村金融市场存在的问题。
해문재대중국농촌금융제도변천역사분석적기출상，착중탐토료현행농촌금융제도적결실，병종정규제도여비정규제도량방면지출농촌금융제도결실도치료농촌경제융자능력저하。유차제출재실천중유일정진전적신형융자방식，즉농업개치련융자。거차사로，통과전통융자여개치련융자대비，분석료개치련융자적우세。기우분석，제출료추동금융제도개혁일사건의，이기해결농촌금융시장존재적문제。
Based on the historical analysis of China’s change of rural financial system,this article explores some imperfections in the current rural financial system. Mainly has carried on the elaboration from two as?pects:regular system and irregular system. Further study reveals that the inefficiency results from the imper?fection of Chinese rural financial system. This leads to the need for agricultural value chain finance which is a new financing way that has already made some progress in practice. Compared with the traditional fi?nancing way,agricultural value chain finance has greater comparative advantages. Finally,the article puts for?ward certain suggestions for the financial reform to resolve the content problem of rural financial market.