【摘要】 改革开放以来,少数民族地区的金融业从无到有,从小到大,有了一定程度的发展,但其发展水平与经济发达地区和全国平均水平相比较为滞后,存在的主要问题有金融机构营业网点少、民间金融发展不规范、保险业务发展缓慢、金融优惠政策效果不明显、金融担保体系建设明显滞后、资本市场发育不完善等。大力发展少数民族地区的金融业,就要积极采取优化金融机构网点布局、规范发展民间融资、拓展农业保险业务、实施倾斜性的金融政策、完善担保机制和抵押机制、培育直接融资市场等措施,以便为民族地区经济社会事业的整体发展提供坚实的基础。更多还原

【Abstract】 Since the reforming and opening up to the outside world,the financial industry in the minority concentrated area has been developed to a certain degree step by step.However,the development level still lags behind the economically developed area and the average level of the whole country.The main existing problems are small amount of business halls,irregular non-governmental development,slow development of insurance business,unobvious preferential financial policy,and,the construction of financial guarantee system lags behind other areas,the capital market is undeveloped,etc.To develop the financial industry of ethnic minorities energetically,we should take active measures to optimize the network layout of financial institutions,regularize and develop non-governmental financing,expand agricultural insurance business,implement favoring financial policy,perfect guarantee mechanism and mortgage mechanism,cultivate direct financing market,and so on,so as to lay a solid foundation for the whole development of economic and social undertakings in the minority concentrated area.更多还原