我国新型农村金融机构发展存在的问题及对策研究ResearchontheProblemsandCountermeasuresoftheDevelopmentofNewRuralFinancialInstitutionsinChina摘要新型农村金融组织一般包含村镇银行、农村资金互助社以及贷款企业，是国内农村相关制度增量变革以及社会发展的结果，主要为了全面处理国内农村区域银行机构的网点覆盖范围不广泛、资金供给缺乏等现实情况而出现的全新事物。此类农村金融机构的成立就是国内银行产业进入方针的显著变革，是国内目前金融变革的重要开创。此类机构的进步，便于促进乡镇组织金融服务问题的处理，便于加快农村金融系统的健全和服务质量的提升，有助于促进城乡经济和城乡金融的协调发展，有助于促进新农村建设与和谐社会的构建，同时也有助于农户获取及时有效的资金支持以更好地发展农业本身。本文最先叙述了此类金融机构的特征以及现实作用，接着从此类金融机构的发展情况着手，探究国内此类金融机构发展中出现的问题，最终指出与之有关的处理意见。关键词：农村金融；新型农村金融机构；可持续发展ResearchontheProblemsandCountermeasuresoftheDevelopmentofNewRuralFinancialInstitutionsinChinaAbstractThenewruralfinancialinstitutionsincludevillagebanks,ruralmutualfundsandloancompanies,istheproductofthenewsocialistcountrysideconstructionandtheincrementalreformoftheruralfinancialsystem.Itisakindofnewthingthatcanbesolvedinordertoalleviatethelowcoveragerateofthefinancialinstitutionsinruralareasandtheshortageoffinancialsupply.TheestablishmentofnewruralfinancialinstitutionsisahugebreakthroughinChina'sbankingmarketaccesspolicy,whichisagreatinnovationofChina'sruralfinancialreform.Thedevelopmentofnewruralfinancialinstitutionswillhelptofillthegapoffinancialservicesoftownshiporganizations,helptoimprovetheruralfinancialsystemandimprovethelevelofruralfinancialservicestohelppromotethecoordinateddevelopmentofurbanandruraleconomyandurbanandruralfinance,topromotetheconstructionofnewcountrysideandtheconstructionofaharmonioussociety,butalsohelpfarmerstoobtaintimelyandeffectivefinancialsupporttobetterdeveloptheirownagriculture.Thispaperbeginswiththeintroductionofthecharacteristicsofthenewruralfinancialinstitutionsanditsdevelopmentsignificance,andstartingfromthecurrentdevelopmentofnewruralfinancialinstitutions,thenanalyzestheproblemsinthedevelopmentofnewruralfinancialinstitutionsinChina,finallyputforwardtherelevantcountermeasuresandsuggestions.Keywords：RuralFinance;Newruralfinancialinstitutions;Sustainabledevelopment目录摘要..............................................................................................Error:ReferencesourcenotfoundAbstract.........................................................................................Error:Referencesourcenotfound1前言..........................................................................................Error:Referencesourcenotfound1.1本研究的目的与意义....................................................Error:Referencesourcenotfound1.2国内外研究文献综述........................................................................................................11.3本研究的主要内容............................................................................................................22新型农村金融机构概述...........................................................Error:Referencesourcenotfound2.1新型农村金融机构的定义............................................Error:Referencesourcenotfound2.2新型农村金融机构的特点............................................Error:Referencesourcenotfound2.3新...
