CAJ | 학술논문

加快我国城镇化发展是我国现代化建设的主要任务之一，而农村经济的发展对我国转变经济发展方式、扩大内需、保持经济持续发展具有重要作用。我国在城乡存款、贷款、金融资产总量以及金融中介机构数量中存在严重的“二元金融”，所以，大力发展微型金融、规范民间金融秩序、“矫正”农村金融机构服务功能、构建多元化农村金融发展机制和立法，保证稳定的金融环境是构建完善的、普惠的、均衡的农村金融体系的主要内容，它的建立对打破农村金融抑制，提高农村金融对农村经济的支持力度，加快我国城镇化发展具有重要的推动作用。
가쾌아국성진화발전시아국현대화건설적주요임무지일，이농촌경제적발전대아국전변경제발전방식、확대내수、보지경제지속발전구유중요작용。아국재성향존관、대관、금융자산총량이급금융중개궤구수량중존재엄중적“이원금융”，소이，대력발전미형금융、규범민간금융질서、“교정”농촌금융궤구복무공능、구건다원화농촌금융발전궤제화입법，보증은정적금융배경시구건완선적、보혜적、균형적농촌금융체계적주요내용，타적건립대타파농촌금융억제，제고농촌금융대농촌경제적지지력도，가쾌아국성진화발전구유중요적추동작용。
The urbanization in our country is one of the major mission of modemization, while rural economic development plays an important role in transfomfing the economic development pattem , expanding domestic demand and keeping the sustainable development. We realize the problems of deposits of urban and rural, credit, total financial assets and the number of financial institutions becoming more and more serious as the ＂dual financial ＂put forward and development. Through developing the microfinance, standardizing the finan- cial order, correcting the function of rural financial institutions, building a diversified rural financial develop- ment mechanism and ensuring a stable financial environment constitute of the main content of a perfect , inclu- sive , blanced rural fmancial system. It is created to break the rural financial repression, to improve rural fi- nancial efforts in supporting the rural economy and is becoming important impetus in accelerating the develop- ment of China＇s urbanization.