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-在線瀏覽
2024-07-24 16:31本頁面
【正文】 e 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. 。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。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。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。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。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)。中國農(nóng)村金融體系的不足之處實際上限制了農(nóng)村金融體系的整體發(fā)展。有許多不同的種在國外農(nóng)村金融體系的保險和擔保機構(gòu)。保險，擔保，證券機構(gòu)系統(tǒng)蒸發(fā)散，這應該是符合農(nóng)村經(jīng)濟和社會發(fā)展， 根本不存在。 ? 不完善的農(nóng)村金融體系 從廣義上講，金融體系涵蓋了非常大的區(qū)域，而不僅僅是融資機構(gòu)。在一些農(nóng)村金融機構(gòu)從當?shù)卣母蓴_方面已經(jīng)有了相當大的改善。這方面 的不足，大大限制的聲音發(fā)展的農(nóng)村金融體系。最多 目前，在中國一直沒有實際的合作經(jīng)濟。在 20 世紀 50 年代初的農(nóng)業(yè)合作化運動 .財產(chǎn)權(quán)利和身份的自由本質(zhì)上是一項集體運動，因為當時農(nóng)民已經(jīng)取消。今天，中國農(nóng)村金融體系面臨的一個難題，因為
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