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农村中小企业融资体系重构是十分必要,在重构农村中小企业融资体系中,要注重推行“供给引导”型的发展模式;明确政策金融、商业金融、合作金融和民间金融的职能分工;创新农村金融机构的产权形式和改善其治理结构;依托市场机制破除农村金融供给的抑制。由此所提出的解决对策有:重塑服务于农村中小企业的政策性金融扶助体系;培育按市场机制运作的和产权结构合理的多元化的农村商业银行机构;创新出符合农村中小企业融资需要的农村信用社发展模式;利用民间金融的内生性优势更好地服务于农村中小企业。
The reconstruction of rural SME financing system is very necessary. In the reconstruction of rural SME financing system, we should pay attention to the implementation of “supply-led” model of development; clarify the division of functions of policy finance, commercial finance, cooperative finance and private finance ; Innovating the form of property rights of rural financial institutions and improving their governance structures; and restoring the suppression of rural financial supply by relying on market mechanisms. The solutions to this problem are as follows: to reshape the policy-oriented financial support system for rural SMEs; to foster a diversified rural commercial bank institution that operates according to the market mechanism and has a reasonable structure of property rights; to innovate in line with the needs of rural SMEs financing Of rural credit cooperatives development model; use of endogenous advantages of private finance to better serve rural small and medium-sized enterprises.