摘 要一直以来，农村地区融资困难是遏制中国农村和农业健康发展的一个难题。为了更好解决这个难题，改革开放 30 多年以来，我国农村金融从无到有，并且日趋完善与发展。现如今状况下，农村经济发展速度明显加快，各种投资增长较快，对资金的需求量增加，农村金融已经形成了一定规模的与农村经济发展相匹配的农村金融体系。但是现如今存在农民收入低、城乡差距大等问题，我国现有的农村金融体系仍然存在大量的缺陷和已有的问题。中国农村金融体系的健康发展是农村经济主体的正常金融需求，而且党的十六届五中全会上把促进农村金融的发展提到了相当的高度，提出深化我国农村金融改革是发展农村经济的必要前提。本文从我国的农村金融的现状和发展为出发点，分析嘉兴农村金融存在的问题和缺陷，并且指出这些问题存在的原因，再结合国内外在农村金融体系发展方面的经验，提出解决问题的建议与对策。关键词：农村金融，农民收入，农村经济发展，发展对策 ABSTRACTIt has been a difficult problem to curb the healthy development of rural areas and agriculture in rural areas. In order to better solve this problem, since the reform and opening up more than 30 years, China's rural finance from scratch, and increasingly perfect and development. Now the situation, the rural economic development rate is significantly accelerated, a variety of investment growth faster, the increase in demand for funds, rural finance has formed a Icertain scale and rural economic development to match the rural financial system. But now there are farmers income is low, the gap between urban and rural areas and other issues, China's existing rural financial system is still a lot of shortcomings and existing problems. The healthy development of China's rural financial system is the normal financial needs of the rural economic subject, and the development of rural finance at the Fifth Plenary Session of the 16th CPC Central Committee has put forward the development of rural economy. It is necessary to deepe...
