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当前我国农村经济发展已进入以产业结构调整、提高经济效益为主的新阶段。而农村产业结构的调整,说到底是资金结构与资金流向的改变。当前我国农村金融面临的主要问题,是金融机构定位不够明确,很多领域存在空白,农村资金流失严重,农村信用环境不佳,已严重制约农村产业结构的调整和农村经济的协调发展,客观上要求必须因势利导地发育我国农村金融市场。
At present, the development of rural economy in our country has entered a new stage featuring industrial restructuring and improving economic efficiency. In the final analysis, the adjustment of rural industrial structure is a change in the structure of funds and the flow of funds. At present, the main problems facing rural finance in our country lie in the fact that the positioning of financial institutions is not clear enough. There are many areas where there is a gap, the serious loss of funds in rural areas and the poor credit environment in rural areas have severely restricted the adjustment of rural industrial structure and the coordinated development of rural economy. We must develop the rural financial market in our country according to circumstances.