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目前,中国的金融体系呈现出百花齐放的多元化现象,农业银行、村镇银行、以农村供销合作社为主的农村信用合作社等等在农村经济的发展中均扮演着重要的作用,但由于农村经济市场化程度低、农村资金大量外流、农村经济组织服务功能单一、农民素质较低等因素的影响,农村金融制度的改革远远落后于农村经济发展的需求,农村经济发展前景堪忧。为了更好地完成建设社会主义新农村的时代使命,对于农村金融体制的选择是重中之重,农村供销合作社作为我国最大的合作经济组织,是新农村建设中的金融支农主力军,供销社选择什么样的金融体制,不论对其自身发展还是对整个农村经济的命运都起到了至关重要的作用,构建更加全面、完善、健全的金融体制是时代所趋。
At present, China’s financial system shows a flourishing diversification phenomenon. Agricultural banks, village and town banks, rural credit cooperatives based mainly on rural supply and marketing cooperatives, etc. all play an important role in the development of rural economy. However, as the rural economic market The low level of education, the large outflow of rural capital, the single service function of rural economic organizations and the low quality of peasants. The reform of rural financial system lags far behind the demand of rural economic development, and the prospect of rural economic development is worrisome. In order to better accomplish the new mission of building a new socialist countryside, the choice of the rural financial system is the most important. As the largest cooperative economic organization in our country, the rural cooperatives are the main force of financial support for agriculture in the new rural construction. What kind of financial system the society chooses will play a crucial role both in its own development and in the fate of the entire rural economy. Building a more comprehensive, sound and sound financial system is the trend of the times.