农村中小金融机构如何应对利率市场化的挑战摘要金融是现代经济的核心,而我国农村地区金融服务覆盖率低、竞争不充分等问题一直未得到很好解决。我国农村中小金融机构整体保持了健康发展的良好态势,在银行业中的地位举足轻重,作为支农服务主力军,农村中小金融机构需要积极适应时代变化,大胆探索支农服务的新方式、新手段,支持现代农业发展和社会主义新农村建设。发展农村经济离不开金融的支持作用,农村金融成为促进经济平衡发展的突破口。关键词：金融机构 利率市场化 挑战AbstractFinance is the core of modern economy. Supporting the development of rural economy cannot do without finance, rural finance has become the breakthrough to promote balanced economic development. The rural financial service in China covering rate low, competition is not sufficient, has not been solved well.Small - and medium-sized rural financial institutions in China as a whole has maintained good momentum of healthy development, play a decisive role in the position of the banking sector, as the main force of rural agriculture, small and medium-sized financial institutions need to actively adapt to changing times, new style, bold exploration of new means of serving the agriculture, support the development of modern agriculture and new rural construction of socialism.Keywords: Financial institutions; the interest rate marketization; challenge1目 录1 农村中小金融机构现状.............................................................................................12 利率市场化对农村中小金融机构的影响.................................................................12.1 贷款利率市场化对我国农村中小金融机构的影响较小...............................12.2 存款利率市场化对我国农村中小金融机构的影响较大...............................23. 农村中小金融机构发展中的问题............................................................................33.1 资产规模小.............................................................
