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會(huì)計(jì)金融外文翻譯--中國(guó)的農(nóng)村金融體系中存在的問(wèn)題-金融財(cái)政-資料下載頁(yè)

2025-05-12 16:31本頁(yè)面

【導(dǎo)讀】不明確的功能定位。明,中國(guó)農(nóng)業(yè)銀行的總裁,他認(rèn)為目前在農(nóng)村金融體系中有三個(gè)的主要組成部分。含糊不清的功能定位和這三個(gè)機(jī)構(gòu)重疊存在。農(nóng)業(yè)銀行主要的業(yè)務(wù)是支持農(nóng)業(yè)產(chǎn)業(yè)化經(jīng)。營(yíng),小城鎮(zhèn)建設(shè)和貸款,以幫助貧窮的人。貸款顯示,農(nóng)業(yè)銀行的操作是沒(méi)有完全商業(yè)?;?,也有一些金融性政策的款。這些農(nóng)村信用社和農(nóng)業(yè)銀行的服務(wù)目標(biāo)和服務(wù)類型有一。在中國(guó),農(nóng)村金融專家何廣文,郭曉麗也有類似的看法。中國(guó)共產(chǎn)黨經(jīng)濟(jì)領(lǐng)導(dǎo)小組財(cái)務(wù)科辦公室研究員唐人間指。問(wèn)題,不能簡(jiǎn)單地避免?!斑@肯定顯示了中國(guó)在發(fā)展農(nóng)民專業(yè)合作社的困境。許多學(xué)者。國(guó)開(kāi)發(fā)銀行的成立,強(qiáng)調(diào)分離的COM-商用金融,政策性金融。決,因?yàn)榈谝粋€(gè)商業(yè)性金融機(jī)構(gòu)仍然承擔(dān)一些政策性貸款。例如,中國(guó)農(nóng)業(yè)銀行仍承擔(dān)。農(nóng)村信用合作操作工作還有一些農(nóng)村信用社的政策金融政策的限制。

  

【正文】 fact, there has been no actual cooperative economy in China. The agricultural cooperative movement in the early 1950s was in essence a collective movement, since property rights and identity freedom of farmers had been abolished at that time. After the household contract responsi bility system was set up and the collective economy also gradually vanished, there was no guidance for the development of a cooperative economy. Up to the present, there has been no actual cooperative economy in China. ? Rural financial system receives great interference from the government The development of the rural financial system has long been government based and thus it is hard for the rural financial system to avoid interference from the government. This deficiency greatly restricts the sound develop ment of the rural financial system. The interference of local governments, such as rural cooperation funds and rural credit cooperatives, leads to chaos. Interference from the local government in rural financial 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.
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