发达地区农村金融发展趋势研究

2010年第11期发达地区农村金融发展趋势研究蔡则祥(,211815):,,;;,,:农村金融;城乡经济一体化;城乡金融一元化:F830.6:A:1004-972X(2010)11-0103-06,,,,,:(1),,,(2),,,;(3)(),,,,,,:,,(一)城乡经济分割与二元经济结构,!(ALewis,1954),19541955∀#∀#,,,,,,,,:2010-08-20:江苏省社会科学基金项目(07EYB030);南京审计学院科研项目(NSK2008/A07);江苏省青蓝工程资助:蔡则祥(1958∃),男,江苏新沂人,南京审计学院教授,博士,主要研究方向为金融制度与金融管理农村金融103蔡则祥:发达地区农村金融发展趋势研究,,,,,(二)城乡经济一体化与一元经济结构,,,1979,,,,,,,,,,,,,;,,,,;,,,,2080,,,,,,,,,:,,,1,,2009,4992,,116%81151,11885,;12403,5153241;202:1,333:1,2,,,2009,140,30%,120,,,20,16%,,3,,,,,,2009,722%,71,,;1100,,485,60%2009,3:57:404,,,,72,86;155,10,13;457,922%,916%9986%,100%,1042010年第11期,,394,577,,60%,:,,,(一)城乡一元经济结构的建立与二元金融结构的转化(Maekinnon)1973,,,,,,,,,,,:(1),;(2),,;(3),;(4),,,,,,,,1,,,,2,,()()(),,,,,,3,,,,,,200920,,,,4,,,,,;,,,,,;,,,;,,,,,,5,,,105蔡则祥:发达地区农村金融发展趋势研究,,9947%,,,,,,,6(),,,,(二)城乡一元金融结构的初步形成与城乡金融一元化的主要表现(),,,,,,,,,:1,,,,,;,,,,,,,;,,,,,,,,,,2,,,,2009,25,31,,1,27;45,A22,23,,52,,,2040,,54,15,14080%,,2,13,19951442200915613,19951261200911605,20011912009718,3,;,;,;,()()(),2009,5922131105,1044,,;;ATM;,51062010年第11期,,ATM,;,,,6,,,,:,,,,,,;,,,(一)完善银行体系,发挥银行主导作用1,,,,,2,,,;,,,,,,,3,,,,(二)发展证券业务,完善资本市场1,,,,,,,2,,;,,,3,,,,,(三)深化保险业改革,促进保险市场发展1,,,,()2,107蔡则祥:发达地区农村金融发展趋势研究,,,,,,3,,;,,+,,(四)创新农村信用担保机制,大力发展信用担保业务1,,,,2,,,3,,++,,,,,,,,,,:[1]W![J],1954,(2)[2]!I![M]:,1988[3][J],2008,(4)[4][M]:,2008[5][J]!,2009,(7)[6],∃∃∃[J],2009,(1)[7][R]200912[8],.[J],2008,(1).[9].[J],2008,(4).[10],.[J],2009,(7).[11].[J],2009,(7).ResearchOnTheDevelopingGeneralTrendofRuralFinancieinDevelopedAreasCAIZe-xiang(NanjingAuditUniversity,Nanjing211815,China)Abstrac:tThecharacteristicsinthedevelopmentofurbanandruralintegrationindevelopedareasresultinanewchangeintheruralfinancedemand,whichurgestransformationfromdualfinancingstructuretounifiedfinancingstructure;theunificationofurbanandruralfinancehasbecomeageneraltrendintheruralfinancialdevelopmentindevelopedareas;thefinancialreforminthedevelopedareasmustcomplywiththistendency,theprinciplesofenhancemen,tconsummationandinnovationshouldbeinsistedsothattheruralfinancialsystemcanbereformedandconsummatedKeywords:ruralfinance;urbanandruraleconomicintegration;urbanandruralfinanceunification(:)108