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| 新型农村金融机构可持续发展的现状、制约因素和对策 |
| The Current Situation, Constraints and Countermeasures of Sustainable Development of New Rural Financial Institutions |
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| DOI： |
| 中文关键词: 新型农村金融机构 可持续发展 现状 制约因素 |
| 英文关键词: New rural financial institutions, sustainable development, current situation, constraints |
| 基金项目:教育部2011年度“长江学者和创新团队发展计划”创新团队项目，项目名称：西部地区农村金融市场配置效率、供求均衡与产权抵押融资模式研究（项目编号：IRT1176）；
国家自然科学基金面上项目：西部农村金融市场开放度、市场效率与功能提升政策体系研究（项目编号：71073126）；
2010年度高等学校博士学科点专项科研基金课题“我国农村小型金融机构试点运行绩效评价与支持政策研究（项目编号：20100204110030）。 |
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| 中文摘要: |
| 从新型农村金融机构的可持续发展现状来看，一方面，其资产、负债、所有者权益和税后利润快速增长，资产质量较好，且资本充足，盈利能力逐年改善。另一方面，其信贷规模快速增长，对农户和小企业的贷款占比较高，有效地缓解了农户和小企业的信贷约束。但是，在可持续发展方面存在问题，一是新型农村金融机构对农户和小企业的贷款占比有下降趋势，贷款对象偏离农户，区域分布不合理。二是其发展缓慢，结构不合理，且流动性不足，盈利水平偏低。针对这些制约因素，有必要提出促进新型农村金融机构可持续发展的对策。 |
| 英文摘要: |
| As for current situation of the sustainable development of new rural financial institutions, on one hand, the assets, liabilities, owner's equity and profit after tax grow rapidly with better asset quality and adequate capital. The profitability improves year by year. On the other hand, the size of credit grows rapidly, and the proportion of loans to farmers and small businesses is higher, which effectively eases the credit constraints of farmers and small businesses. However, there are two following problems of sustainable development. Firstly, the proportion of loans to farmers and small businesses of new rural financial institutions shows a downward trend, the loan objects deviate from the farmers, and the distribution of institutions is unreasonable. Secondly, the institutions develop slowly with irrational structure, lack of liquidity and low level of profitability. To solve the constraints impacting the sustainable development of new rural financial institutions, authors try to put forward some proposals to improve the sustainable development of new rural financial institutions. |
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