Then , this thesis analyses the reasons from the structure and efficiency of rural financial institutions , and then proposes an imagination of constructing a rural financial system in which policy - related finance , commercial finance , cooperative finance and other financial forms cooperate with each other and develop coordinately 然后，本文从农村金融组织结构和效率两个方面对以上结论形成的原因进行了分析，并进而提出了构建一个政策性金融、商业性金融，合作金融及其他金融形式相互配合、协调发展的机构多元化的农村金融体系的设想。
Chapter one analyzes the fundamental question of the policy bank law . firstly , the writer analyzes the common theory of the policy bank law . secondly , the writer analyzes the connection of the policy finance and commercial finance and proves the necessity of the separation of the two 全文除导言和结论外，共分五部分：第一部分着重分析了政策性银行调控的基本问题，首先分析了政策性银行的一般理论，然后对政策性金融与商业性金融的关系做一界定，并论证了政策性金融与商业性金融分离的必要性。
Non - state hi - tech enterprises are playing an important role in china " s economic development , although 97 . 43 percent of them are medium - sized and small enterprises , according to the revenue statistics of 2000 . financing is defined as getting fund from outside in this thesis and includes fiscal financing , credit financing , commercial financing and capital financing 本文所论的融资，是指企业外源融资，具体的融资方式包括：财政融资，银行融资，商业融资(主要是融资租赁) ，证券融资(权益性证券融资? ?以风险投资为主的私募和公开募集，债务性证券融资)四种。
To solve these problems , therefore , needs exploring new paths in three dimensions : 1 ) integrating rural financial resources to optimize the financial supporting system of " agriculture , countryside and farmers " ; 2 ) optimizing government ' s macro - directing function to eliminate the market failure in commercial finance ; 3 ) strengthening self - development of " agriculture , countryside and farmers " to enhance their ability of absorbing funds 为此，应从三个层面进行路径创新：一是整合农村金融资源，优化金融支农体系；二是优化政府宏观导向功能，消除金融市场运作失灵；三是强化三农自身发展，提高吸纳资金能力。
Based on the analysis to the major problems existing in rural credit system and path dependency theory , this paper tries to find out the institutional weaknesses of the current rural credit system and reposition public finance , commercial finance and rural credit cooperatives in the hope of establishing an efficient operational mechanism and strengthening the whole function of rural credit system and forming a strong supportive force for agricultural and rural development 针对现有农村金融体系中存在的突出问题,利用农村金融制度变迁过程中的路径依赖分析理论,找出目前农村金融体制的制度缺陷,进而对政策金融、商业金融、农村信用社重新进行功能定位和调整,建立起合理有效的运行机制,强化农村金融体系的整体功能,形成支持农业和农村经济发展的合力。
Standard size of 30 square metres room ; standard double room size 37 square metres , 38 square metres of luxury single area , 1 . 8 x 2 . 0m luxury bedding generous , comfortable ; fan rooms , 44 square meters of space , small sitting room with bedroom ingeniously linked , 45 meridian east viewing window to glance top , commercial finance street beauty ; between sets of double standards , three sets of guest rooms are 73 square metres and an area of 103 square meters , an independent spacious living room with toilet and passengers , 90e viewing window to glance top beauty ; standard size 81 square metres apartment units with spacious living room , dining room and passengers using bathrooms , a kitchen equipped with large refrigerators , zanussi cooker hoods , electric frying pan 标准单人房面积30平方米标准双人房面积37平方米豪华单人房面积38平方米， 1 . 82 . 0m的豪华睡床宽大舒适扇形房间，面积44平方米，小型客厅巧妙地同睡房相连， 45观景窗尽瞰榕城商业金融街美景标准双间套三间套客房面积分别为73平方米和103平方米，拥有独立宽敞的客厅及客用卫生间， 90观景窗尽瞰榕城美景标准公寓套面积81平方米，拥有宽敞的客厅饭厅及客用卫生间，厨房配备了大型冰箱抽油烟机电炒锅等。
Therefore , considering the regional balance development , the reform should be carried out with the condition of strengthening the function of policy finance in the western china , which can solve the problem of market failure effectively , and develop the coordinative relation between the commercial finance and policy finance , so as to give impetus to the sustainable development in the west china 而考虑到区域统筹，改革方案需佐以重要的条件，即在西部地区随着国有商业银行整体改革的步步推进，政策性金融的功能应及时强化，从而有效地解决前者在金融供给中所产生的“市场失灵”问题，并进一步与之形成协调发展的互动关系，从而推动西部地区经济的可持续发展。
