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摘 要 随着农村经济产业升级和结构调整的，服务体系不健全和体制改革滞后，成了农村经济全面、协调、可持续发展的严重羁绊。农村经济 ABSTRACT Along with the upgrade of the rural economics industry and pressing for the structural adjustment, the distempered development of country finance service system and system reform lag become grievous fetters, which cumber the comprehensive, harmonious and sustainable development of the rural economics. At present, the rural financial has got a certain extent, but in the development of rural financial at the same time, the existing rural financial services can’t satisfy the rural financial needs really or fully.Rural finance is an important component of Chinas financial system, and it is an important force of supporting agriculture,peasant,village”. Reform of rural finance has always been through the process of economic and social development in rural areas; In order to promote the establishment of new countryside, and adapt to the objective needs of the new situation of the rural financial system, we must be aimed at the existing problems of the rural financial system and promote its reconstruct. We should take efforts to to explore a sustainable financial support road for the goal of achieving mutural development of urban and rural and building a new socialist countryside. This paper is divided into five parts. The first part: the background of the topic, research status at home and abroad, research ideas and research methods, the basic framework of the thesis. The second part: the structure and current situation of the existing rural financial service system in china. The third part: analysis of the rural financial system and puts forward the existing problems and its causes. The fourth part: to perfect the rural financial service system in China the necessity and countermeasures. The fifth part: conclusion and prospect. The main research work and conclusions of this paper are briefly summarize. Key words:Rural finance ,Finance system ,Rural economic 目 录 1 绪 论 1 1.1 研究背景及意义 1 1.1.1 研究背景