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(參考版)
2025-05-17 16:31本頁面
【正文】 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 stress the separation of mercial finance from policy finance. The problem cannot be solved quickly because first mercial financial institutions still undertake some of the policy loans. For example, the Agricultural Bank of China still undertakes policy loans to help the impoverished and ca
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