With the modernization of China's rural development, the imbalance between demand and supply of financial services is wide in many rural regions. This paper focuses on the rural fi-nancial efficiency to analyze the current situation and problem of rural financial efficiency. The reasons for low efficiency of rural finance in China mainly include a single type of rural financial services, information asymmetry on rural financial market and unclear ownership of rural financial institutions, Therefore, the relevant countermeasures and suggestions in this article are proposed from the perspective of financial innovation, such as the innovation of rural financial products, the innovation of agricul-ture-related loans collateral, the innovation of rural financial sys-tem, ultimately promoting rural financial efficiency and the quali-ty of rural financial services.%随着我国农村现代化发展,许多农村地区广泛出现金融服务供求失衡的现象,本文从金融效率的视角出发,分析当前我国农村金融效率的现状及问题,并分析了我国农村金融效率低下的原因,主要包括,农村金融服务种类单一、农村金融市场的信息不对称、农村金融机构产权不清晰等.为此,本文从金融创新的角度提出相关对策建议,创新农村金融产品、创新农村金融制度、创新涉农贷款抵押担保方式和农村"三权"抵押融资,最终推动农村金融效率的改善,农村金融服务质量的提高.
展开▼
