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随着最近几年中国大中型商业银行重新进入农村金融市场以及新型农村金融机构的发展,我国农村金融供给主体不断增加。截至2011年末,全国共发起设立786家新型农村金融机构,其中村镇银行726家(已开业635家),贷款公司10家,农村资金互助社50家(已开业46家)。金融机构空白乡镇从2007年的2868个减少到2011年末的1696个。虽然供给主体不断增加,但普遍认为中国农户贷款覆盖率仍然偏低。
With the re-entry of China’s large and medium-sized commercial banks into rural financial markets and the development of new-type rural financial institutions in recent years, the supply of rural financial services in China has been constantly increasing. As of the end of 2011, a total of 786 new-type rural financial institutions have been launched nationwide, including 726 village banks (635 already opened), 10 lending companies and 50 rural mutual funds (46 already opened). The number of blank townships in financial institutions decreased from 2,868 in 2007 to 1,696 in late 2011. Although the main supply is increasing, it is generally believed that the loan coverage of farmers in China is still low.