1、省省*农村金融服务现状及农村金融服务现状及其其发展探讨发展探讨 内容摘要内容摘要：金融是现代经济的核心，对经济的发展有着直接的制约或促进作 用。农村经济涉及“三农”问题，也集中了我国经济发展中相对落后的群体。农 村金融服务发展得好，对全面建设小康社会，使农民、农业和农村经济走上良性 发展的道路，实现全民族的共同富裕有着重要的意义。*地处我国中部，是一个 农业大县，其在一定程度上代表了我国农村经济的发展水平，解剖*农村的金融 服务现状，分析其优势和不足，对欠缺进行改进，并最终通过金融的发展而达到 促进经济发展的目的，就很有必要。本文力求通过对*农村金融服务的现状进行 调查，指出了农村金融服务在现
2、阶段存在着网点分布不合理、机构数量不足、信 贷投入不能满足当地经济发展需要等方面的问题，并从农村经济发展的实际出发， 就如何完善农村金融服务提出了对策和建议。 关键词：关键词：金融服务；农村金融；农村经济；三农 Current Situation and Development of Financial Services in the Country Abstract: Finance is the core of modern economy, the development of the economy has a direct role in restricting or promoti
3、ng. The rural economy involves the “three rural“ issue, also focused on economic development in China is relatively backward groups. The development of rural financial services properly, building a moderately prosperous society in which farmers, agriculture and rural economy into a virtuous developm
4、ent path to achieve the common prosperity of the whole nation of great significance. Huaiyuan County is located in central China, is a large agricultural county, which to some extent represents the development level of Chinas rural economy, anatomical Huaiyuan County status of financial services, an
5、alyze its strengths and weaknesses, the lack of improvements, and finally through financial development to achieve the objective of promoting economic development, it is very necessary. This paper seeks to Huaiyuan County on the status of the investigation of financial services that rural financial
6、services distribution network at this stage there is unreasonable, insufficient number of institutions, investment can not meet the credit needs of local economic development issues, and from the rural economy the development of the reality of rural financial services on how to improve countermeasures and suggestions put forward. Key words: financial services; rural financial; rural economy; agriculture 目目 录录 中文摘要 英文摘要 一、一、*农村金融农村金融展现状展现状 （一）概念、特征、目标意义1 （二）*域金融发展现状
