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农村金融信贷体系的构建与完善,直接关系着涉农信贷资金对支持农业生产、繁荣农村经济、帮助农民增产增收的保障与服务力度。中国特色的农村信贷“2×2”模式,旨以不同信贷需求为立足点,将信贷组织体系的构建聚合为制度与区域、涉农正规金融与非正规金融的组织配比安排。广西南宁市横县作为广西农村金融服务改革试点县,对其农村金融信贷现状在“2×2”模式视阈下进行系统性分析与应用型研究,将具有非常重要的理论研究价值与现实示范效益。
The construction and perfection of the rural financial credit system has a direct bearing on the guarantee and service of the loan-related rural credit to the support of agricultural production, the prosperity of the rural economy and the increase of peasants’ production and income. The “2 × 2” model of rural credit with Chinese characteristics aims at building a credit organization system based on different credit needs, and aggregating the construction of the credit organization system into an organization and arrangement for the relationship between the system and the region and between the formal and informal financial institutions involved in agriculture. Heng County, Nanning, Guangxi, as a pilot county for rural financial service reform in Guangxi, conducts a systematic analysis and applied research on the status quo of its rural financial credit under the “2 × 2” model. It will have a very important theoretical and practical value Practical demonstration benefits.