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农村金融的问题何在一、农村金融市场缺乏适度的竞争。农村信用社、农业银行和农业发展银行的业务都限定在各自领域内,相互之间的业务没有交叉,现有的农村金融体系只有分工,而没有竞争。这不符合我国发展社会主义市场经济体制的要求.也不能满足目前农村经济发展对农村金融服务多样化和现代化的需求。二、农村信用社的经营机制问题。目前农村信用社开展的农户小额信用贷款和农户联保贷款主要是在各级政府和中央银行的强力推动和支持下开展的,农村信用社本身并没有多大的积极性,2002年小额信用贷款及农户联保贷款尽管增幅很高,但全年小额贷款和联保贷款的余额只有
What is the problem of rural finance? The lack of proper competition in rural financial markets. Rural credit cooperatives, Agricultural Bank of China and Agricultural Development Bank’s business are limited to their respective fields, no cross-business with each other, the existing rural financial system only division of labor, without competition. This is not in conformity with the requirements of China’s development of a socialist market economic system, nor can it meet the current demand for diversification and modernization of rural financial services in rural areas. Second, the operation mechanism of rural credit cooperatives. At present, rural credit cooperatives carry out micro-credit loans for farmers and peasant households guarantee loans are mainly carried out with the vigorous promotion and support of governments at all levels and the Central Bank. Rural credit cooperatives do not have much enthusiasm in themselves. In 2002, micro-credit loans In spite of the high increase, the balance of loans to smallholders and UNPROFOR