摘 要
2012 年初召开的全国金融工作会议提出，要促进经济社会更好更快的发
展应充分发挥金融业的服务功能，对经济发展的薄弱环节加大信贷投放，尤
其要尽快改善制约农村经济发展的农村金融服务不足问题。我国居民消费增
长缓慢的根本原因在于农村消费需求不足，农村经济的增长、农村消费市场
的启动将带动整个消费市场的启动。健全完善的农村金融体系、充足的农村
金融服务供给可以促进农村经济的快速发展，增加农民收入、提高农民生活
水平，对扩大农村消费需求具有重要作用

本文从银行监管者角度以鹤岗银监分局辖内农村金融服务为研究对象，
一方面对区域内农村金融的需求主体、需求特征进行了归类总结，将该地区
的农村金融需求主体分为农户、农村中小企业、下辖农场住房改造三个层次；
另一方面从区域内现有农村金融服务体系构成、农村金融资源配置情况、服
务情况着手，总结出辖内农村金融机构数量下降、网点布局不合理、农村金
融产品短缺的实际问题。文章系统分析了导致鹤岗市辖内农村金融供服务不
足的原因，最后结合农村金融监管工作实际情况，有的放矢的提出了完善辖
内农村金融服务体系、增强区域农村金融供给能力、加强和改进农村金融监
管、强化贷款投放等切实可行的对策建议

关键词：农村金融；金融服务；金融监管
Abstract
At the beginning of the 2012 meeting of the national financial work
conference puts forward, finance to economic and social development to provide
more quality financial services, to increase credit support for weak fields, in
particular to speed up the solving of the problem such as inadequacy of rural
financial service. Consumption of our country dweller growth is slow and the
fundamental reason is that the rural consumption demand is insufficient, the
development of rural economy, rural consumption market launch will drive
whole consumes the market to start. Modern agricultural development is
inseparable from the support of rural finance, rural financial support can promote
farmer, rural industry rapid development, increase farmer income, thus enlarge a
farmer to consume demand plays an important role in.
This article from the angle of bank regulators to HeGang banking regulatory
bureau within the jurisdiction of the rural financial service as the research object,
a side face area of rural financial demand, demand features were classified and
summed up, the region's rural financial demand of farmers, to rural small and
medium-sized enterprises, under the jurisdiction of the farm housing renovation
three levels; on the other hand, from the region within the existing rural financial
service system, rural financial resources allocation, service to proceed, summed
up the jurisdiction of financial institutions in rural areas, the decrease in the
number of outlets layout unreasonable, rural financial products shortage
problems. The article analyzes the causes of rural financial service in HeGang
city for its insufficient reason, finally, the rural financial supervision work of
have a definite object in view of the actual situation, put forward to perfect the
jurisdiction of rural financial service system, strengthen rural financial supply
ability, strengthen and improve the rural financial supervision, strengthen the
loans and other practical recommendations
Key words: rural finance, financial services, financial supervision