第四次全国金融工作会议强调:“深化农村金融体制改革,要以服务‘三农’为根本方向,充分发挥政策性金融、商业性金融和合作金融的作用,构建多层次、多样化、适度竞争的农村金融服务体系。”农发行如何参与农村金融服务体系建设,如何避免与商业性金融机构业务趋同化并营造适应农发行业务特点的内外部环境,笔者对此作出如下思考。 The Fourth National Financial Work Conference emphasized: “Deepening the reform of the rural financial system should take the service of agriculture, rural areas and farmers as the fundamental direction, giving full play to the role of policy-oriented finance, commercial finance and cooperative finance to build a multi-level, diversified, Moderately competitive rural financial service system. ”How the Agricultural Development Bank to participate in the construction of the rural financial service system, how to avoid the convergence of business with commercial financial institutions and to create an internal and external environment that adapts to the characteristics of the agricultural development business, the author made the following considerations.