Question

紧急求救！！！！翻译翻译！！！！

加快农村资金流通，构建面向农村中小金融机构的支付结算服务体系。一是直接吸收农村金融机构加入大额支付系统。二是将农村金融机构纳入同城票据交换系统，确保同城清算资金及时到账。三是推行支付结算代理制。

发挥政府主导作用，加快农村信用体系建设。一是推进司法机关依法行政，有效保护债权人的经济利益。二是建立覆盖全部企业和个人的诚信数据库，实现社会信用信息资源共享，降低金融机构的信贷成本。三是建立和完善社会信用的正向激励和逆向惩戒机制。四是积极发展政府担保、龙头企业担保等多种形式的担保机制，有效解决农户和中小企业贷款担保难问题。

构建金融风险防范体系，培育多元化的农村金融市场严把农村金融机构“准入关”，健全农村金融内部风险防范机制。一是金融监管部门应确保新型农村金融机构法人治理、资本充足率、内控制度等各项指标符合要求。二是可以在全国同类新型农村金融机构中帮助农村金融机构建立起涵盖信贷、结算、储蓄、现金、保卫等方面的风险点内控制度。三是建立对村镇银行等中小金融机构的辅导制度，促使农村金融机构尽快形成内控制度健全、风险控制和运作良好的经营机制。

建立农村金融机构风险保障补偿机制。要建立农村金融机构存款准备金管理制度。一旦农村金融机构发生风险，经批准可以动用其存款准备金。要积极探索建立存款保险制度。根据我国国情，在现行金融体系中，应设立由人民银行主导，财政部、各商业银行、股份制商业银行、城乡信用社和其他各类存款性金融机构作为主体共同出资的存款保险机构。

培育多元化竞争性的农村金融市场。农村金融机构要依据各自农村市场定位，落实改革政策，增加农业产业化龙头企业、加工企业和农业小企业发展的信贷业务，增加开办农业综合开发项目等中长期贷款业务。组建各类农村信用担保机构，满足农村借贷主体差异化融资业务需求，对健全的农村金融市场体系形成全方位支持。

Answer 1

Speeds up the countryside fund circulation, constructs face the countryside in the small financial organ payment settlement services structure. First, absorbs the rural finance organization to join the large quantity payment system directly. Second, integrates the rural finance organization with the city bank clearing system, guarantees with the city settlement fund promptly to the account. Third, carrying out payment settlement proxy system.

The display government leading role, speeds up the rural credit system construction. First, the advancement Judicial organ administration according to law, protects creditor's economic interest effectively. Second, the establishment covers the complete enterprise and individual good faith database, realizes social credit information resource sharing, reduces the financial organ the credit cost. Third, establishment and consummation society credit forward drive and reversion disciplinary punishment mechanism. Fourth, develops the government to guarantee, the Leading enterprise guarantee positively and so on many kinds of form guarantee mechanisms, the effective addressing peasant household and the small and medium-sized enterprise loan guarantees the difficult question.

The construction finance risk guard system, the cultivation multiplication's rural finance market “enters the pass” strictly the rural finance organization, perfect rural finance interior risk guard mechanism. First, the finance Supervisory department should guarantee that the new rural finance organization legal person governs, the capital sufficiency of capital, to control from the inside the system and so on each target to meet the requirement. Second, may help the rural finance organization in the nation similar new rural finance organization to establish aspect and so on covering credit, settlement, deposit, cash, security risk points to control from the inside the system. Third, establishes to the villages and small towns bank in and so on small financial organ counselling system, urges the rural finance organization to form as soon as possible controls from the inside the system to be perfect, risk control and operation good management mechanism.

Establishes the rural finance organization risk safeguard compensation mechanism. Must establish the rural finance organization bank reserve against deposits control system. Once the rural finance organization has the risk, may use its bank reserve against deposits by the authorization. Must explore the establishment deposit insurance system positively. According to our country national condition, in the present financial system, should set up by the People's Bank leads, Ministry of Finance, various Commercial bank, the joint stock system Commercial bank, the Credit corroborative in both urban and rural areas and other each kind of deposit financial organ takes the main body joint contribution the deposit insurance organization.

Cultivation multiplication competitive rural finance market. The rural finance organization must rest on the respective rural market localization, carries out the reform policy, increases credit operation which the agricultural industrial production Leading enterprise, the Processing industry and the agricultural Small business develop, increases medium and long-term loan businesses and so on launch combined agricultural development project. Sets up each kind of rural credit guarantee organization, satisfies the countryside to lend money the main body variation financing service demand, forms the omni-directional support to the perfect rural finance market system.