會計金融外文翻譯--中國的農(nóng)村金融體系中存在的問題-金融財政-文庫吧
2025-04-17 16:31 本頁面
【正文】 對農(nóng)村經(jīng)濟的真正威脅源于這樣一個事實，總資產(chǎn)在農(nóng)村金融體系正在下降。據(jù)統(tǒng)計， 2020 年，在農(nóng)業(yè)銀行的貸款余額占 14％，在所有金融機構(gòu)本， 14％的鄉(xiāng)鎮(zhèn)企業(yè)貸款只有 16％是借給農(nóng)業(yè)。在同一年，從貸款中國農(nóng)業(yè)發(fā)展銀行占 10％的所有網(wǎng)絡連接， nancial 的機構(gòu)，而其中， 90％去了國有企業(yè)，農(nóng)場親杜奇采購 ，主要是國有糧食部門。另外，在同一年，從農(nóng)村信用社的貸款占 10％的所有金融機構(gòu)，而這些， 50％的鄉(xiāng)鎮(zhèn)企業(yè)和 30％左右去農(nóng)業(yè)和農(nóng)民。所有貸款的不到 6％在金融機構(gòu)的盈余去農(nóng)業(yè)和 ? 薄弱的農(nóng)村金融占用大量的農(nóng)村金融資源 在目前的市場環(huán)境，發(fā)展農(nóng)村市售 CIAL 金融在中國是不好的。農(nóng)村金融供給的基本公共事業(yè)如教育，醫(yī)療保健，清潔水，道路，電力，和 COM 電信是嚴重不足。這限制了發(fā)展的 COM 商用金融和使用大量的財政資源。因此，政府應整合資金投入到農(nóng)村，從合同法單獨必要 TARY 資金投入，創(chuàng)造 更好的市場環(huán)境，并幫助農(nóng)村 COM 商用金融機構(gòu)突破瓶頸制約。 在農(nóng)村金融機構(gòu)的管理技能低財政金融和公共財政進行比較，更加注重市場機制的作用。資金發(fā)揮的功能，經(jīng)濟是密切相關(guān)的金融機構(gòu)的業(yè)務能力。許多因素制約著農(nóng)村金融機構(gòu)的運作效率 蒸發(fā)散將在下面討論。 原文 ZHAO YI The Main Problems and Countermeasures of China’s Rural Financial System Existing Problems in China’ s Rural Financial System Ambiguous Function Orientation The basic issue in the present reform of the rural financial system lies in the financial institutions’ ambiguous orientation of functions. Yang Mingshen, president of the Agricultural Bank of China, believes that there are three main ponents in the present rural financial system. Some ambiguity and overlap exist in the function orientation for these three institutions. The main business of the Agricultural Bank is to support agricultural industrialization, the construction of small towns, and loans to help the impoverished. Loans to help the impoverished show that the operation of the Agricultural Bank is 60 THE CHINESE ECONOMY not fully mercialized and there are some financial policy loans. These are somewhatoverlapping in function. There is also some overlapping in the service targets and service types of rural credit cooperatives and the Agricul tural Bank. He Guangwen, a rural financial expert in China, has a similar view. The ambiguous orientation of function is the main reason why finan cial reform is not very The ambiguity of the function is discussed further below. First, there is an ambiguous orientation of functions regarding rural coop erative finance. How China should develop cooperative finance is still sub ject to debate. Tang Renjian, a researcher in the Office of Finance andEconomy Leading Group of the ChineseCommunist Party (CCP), pointed out: “ It is really a headache and hard to explain in a few words. Most schol ars think this is a problem that cannot be simplyavoided.” 3Thisrecognition shows China’ s dilemma in developing rural cooperatives. Many scholars in theoretical circles insist that rural cooperative finance should be fully devel oped andstandardized because it is an important kind of organi
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