【正文】 的形式。然而，在中國的農(nóng)村金融體系，有僅金融機構(gòu)。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。這些 機構(gòu)改善農(nóng)村金融系統(tǒng)的實現(xiàn)和發(fā)展溫度到一定程度。如果沒有合作經(jīng)濟組織的發(fā)展 但只有信用社，效果更佳無法實現(xiàn)?？磥?，如果食物的系統(tǒng)的發(fā)展循環(huán)變成市場，農(nóng)業(yè)發(fā)展的業(yè)務(wù)銀行會越走越窄。 首先，關(guān)于農(nóng)村融資有一個模糊的定位功能。這些農(nóng)村信用社和農(nóng)業(yè)銀行的服務(wù)目標和服務(wù)類型 有一些重疊。“農(nóng)村信用社仍視為一個重要的提供農(nóng)業(yè)政策支持貸款的渠道。政府支持發(fā)展 .農(nóng)村經(jīng)濟進行開發(fā)通過一些優(yōu)惠政策 coopera 的略去金融機構(gòu)。保險，擔(dān)保，證券機構(gòu)系統(tǒng)蒸發(fā)散，這應(yīng)該是符合農(nóng)村經(jīng)濟和社會發(fā)展， 根本不存在。 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 organization and form of operation for rural finance. Second, there is an ambiguous business scope between the finance of agricultural policy and mercial finance. In 1994, the Agricultural Development Bank of China was set up to