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利率市场化的不断推进与发展,可以使得各银行更好的进行资源整合,提高资金利用率,这对农村的发展、对金融机构自身的发展都有很重大的现实意义。本文主要介绍了利率市场化的涵义,然后进一步对蚌埠地区农村融资的现状进行分析,发现农村储蓄资金外流、农村的金融机构较少等问题。通过正反两方面的分析,最终提出了完善农村融资的社会环境,加强农村金融市场的有效、有序竞争等对策。
The continuous promotion and development of the marketization of interest rates will enable banks to better integrate resources and improve the utilization rate of funds. This will have great practical significance for the development of rural areas and the development of financial institutions themselves. This article mainly introduces the meaning of interest rate marketization, and then further analyzes the current situation of rural financing in Bengbu, finds out that the rural savings funds flow out and the rural financial institutions are few and so on. Through both positive and negative analysis, the author finally puts forward some countermeasures such as perfecting the social environment of rural finance and strengthening the effective and orderly competition of rural financial market.