我国农村金融发展存在的问题和对策研究.pdf

国家计划Y0903050301l武国柱 Abstract Over the past 30 years of reform and opening-up，under the correct leadership of the party and the government，after generations of hard work， construction proj ects in various aspects of China has made remarkable achievements．China is a large agricultural country,SO the”three rural”issues become the top priority of the work and are highly valued by successive governments．The development of agriculture，rural areas and farmers are inseparable from the support of rural finance， rural finance has also become the common focus of attention of all walks of life．The development situation of rural finance directly affects the rural economy level，thereby affecting the realization of th、e strategic objectives of a new socialist countryside construction．This situation not only put forward higher request for rural financial services but also brought new opportunities for the rural financial development．However,the slow development of Chinas rural financial industry has seriously hampered the development of rural economy．China has faced with a variety of problems which exist in the current rural finance，this paper in-depth analysis the root causes of the problems。 behind。According to the needs of rural economic development nowadays，and compared to the rural financial development of foreign experience，find ways to solve all kinds of problems，this paper is to research this topic． Rural finance definition，connotation and related theories are elaborated；the course and present situation of the countryside financial development are summarized in this papen At the same time the author points out there are some problems existing in the development of rural finance，such as：the imperfect of rural financial service system；the negative impact of the private finance；the exodus of rural funds，and the lack of risk compensation mechanism in rural areas． Meanwhile，related factors which restrict the development of rural finance were analyzed，combined with the enlightenm