【正文】 nancial institutions in some areas has been quite If the problem is not resolved, the develop ment of the rural financial system will be restricted and hampered. Serious Lack of Rural Financial Resources A sound rural financial system must have enough resources allocated to meet the needs of overall rural economic and social development. The situation now is that the rural financial system is seriously lacking in financial re sources. Rural economic and social development does not have sufficient financial resources for the rural financial mechanism to improve the rural economy while social development is also seriously restricted. The constraints are discussed as follows: ? Declining number of financing channels in rural financial system By the end of the 1990s, with the reform of stateowned mercial banks, branches in counties and towns were closed, and the number of financing channels for farmers was greatly reduced. This process is still ongoing. Postal Savings, which is parable to the four stateowned mercial banks in absorbing deposits, serves to collect deposits from rural areas. It absorbs deposits but does not provide loans. The Agricultural Development Bank of China has branches only at the county level. Its main business is to provide loans for the stateowned grain system to purchase grain and cotton. In some counties in the inland areas, the only channel for farmers to get loans is the rural credit cooperatives that are far behind in service and quality. 。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(yán)重不足。有許多不同的種在國外農(nóng)村金融體系的保險和擔(dān)保機(jī)構(gòu)。這方面 的不足，大大限制的聲音發(fā)展的農(nóng)村金融體系。信用社產(chǎn)生聯(lián)合一致的發(fā)展的全面合作經(jīng)濟(jì)。貸款不幫助他們解決他們的困難。有很多人激烈的爭論其未來的生存。 1994 年，農(nóng)業(yè)中國開發(fā)銀行的成立，強(qiáng)調(diào)分離的 COM商用金融，政策性金融。為什么金融體系改革是不是非常有效的，功能定位的曖昧是最主要的原因，下面進(jìn)一步對模糊的功能進(jìn)行討論。 本科畢業(yè) 論文 (設(shè)計 ) 外文翻譯 題 目 The Main Problems and Countermeasures of China’s Rural Financial System 姓 名 學(xué) 號 專 業(yè) 會計學(xué) 指導(dǎo)教師 職 稱 中國在中國，農(nóng)村金融專家何廣文，郭曉麗也有類似的看法。 第二，財政農(nóng)業(yè)政策性和商業(yè)性金融之間有一個不明確的業(yè)務(wù)范圍。 第三，在最近幾年中，農(nóng)業(yè)發(fā)展銀行存在遭到嚴(yán)重質(zhì)疑。他們可能需要有一個存款 和保險，但不貸款。這些合作金融機(jī)構(gòu)仍然發(fā)揮在農(nóng)村金融體系中的重要作用。 ? 農(nóng)村金融體系受到巨大的干擾，從政府 農(nóng)村金融體系的發(fā)展，一直以來政府為基礎(chǔ)，因此它是很難的農(nóng)村金融體系，以避免干擾 從政府。國外的經(jīng)驗表明，發(fā)展農(nóng)村非融資金融機(jī)構(gòu)是至關(guān)重要的整個農(nóng)村的增長 金融體系和整個農(nóng)村經(jīng)濟(jì) 。所有貸款的不到 6％在金融機(jī)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