本文關(guān)鍵詞：金融支持、新型農(nóng)村金融機(jī)構(gòu)創(chuàng)新與三農(nóng)發(fā)展，由筆耕文化傳播整理發(fā)布。

一、背景介紹；近些年來(lái)，我國(guó)不斷出臺(tái)了一系列政策來(lái)鼓勵(lì)農(nóng)村金融；新型農(nóng)村金融機(jī)構(gòu)的發(fā)展，能夠有效改善農(nóng)村地區(qū)的金；二、金融支持、新型農(nóng)村金融機(jī)構(gòu)創(chuàng)新與三農(nóng)發(fā)展關(guān)系；就農(nóng)村金融支持跟農(nóng)村經(jīng)濟(jì)扶貧之間的關(guān)系來(lái)講，主要；農(nóng)村金融機(jī)構(gòu)的創(chuàng)新和發(fā)展能夠推動(dòng)農(nóng)村地區(qū)經(jīng)濟(jì)社會(huì)；農(nóng)村金融機(jī)構(gòu)的發(fā)展和創(chuàng)新對(duì)于提高農(nóng)民的經(jīng)濟(jì)收入也；三、進(jìn)一步強(qiáng)化金融對(duì)三農(nóng)支持的建議措施；第一，

一、背景介紹

近些年來(lái)，我國(guó)不斷出臺(tái)了一系列政策來(lái)鼓勵(lì)農(nóng)村金融創(chuàng)新，推動(dòng)農(nóng)村金融市場(chǎng)發(fā)展。積極依靠金融創(chuàng)新來(lái)提高農(nóng)村資金的供給力度正成為我國(guó)農(nóng)村金融改革的目標(biāo)和方向。在一系列政策的鼓勵(lì)下，我國(guó)農(nóng)村金融機(jī)構(gòu)創(chuàng)新正在快速邁進(jìn)，各種新型農(nóng)村金融機(jī)構(gòu)也隨著不斷出現(xiàn)和發(fā)展。村鎮(zhèn)銀行、農(nóng)村資金互助組、小額貸款公司等農(nóng)村金融機(jī)構(gòu)不斷出現(xiàn)。新型農(nóng)村金融機(jī)構(gòu)的不斷出現(xiàn)和發(fā)展，在很大程度上有效改善了農(nóng)村的金融服務(wù)質(zhì)量，提高了三農(nóng)資金的扶持力度，同時(shí)對(duì)于提高農(nóng)村金融服務(wù)水平，進(jìn)一步農(nóng)村經(jīng)濟(jì)社會(huì)發(fā)展都發(fā)揮了積極作用。同時(shí)，小額貸款公司等農(nóng)村金融機(jī)構(gòu)也有效引導(dǎo)了民間資本在涉農(nóng)領(lǐng)域開展業(yè)務(wù)，實(shí)現(xiàn)“銀小”合作，積極發(fā)揮自身在大資金以及小客戶之間的橋梁紐帶作用。

新型農(nóng)村金融機(jī)構(gòu)的發(fā)展，能夠有效改善農(nóng)村地區(qū)的金融市場(chǎng)結(jié)構(gòu)，并進(jìn)一步降低相關(guān)金融產(chǎn)品的供應(yīng)成本。同時(shí)，發(fā)展新型農(nóng)村金融機(jī)構(gòu)也有助于創(chuàng)新金融產(chǎn)品，進(jìn)而在不同的農(nóng)村地區(qū)使用不同的金融產(chǎn)品，符合當(dāng)?shù)氐慕?jīng)濟(jì)社會(huì)發(fā)展需求。尤其是當(dāng)前，伴隨著我國(guó)農(nóng)村金融機(jī)構(gòu)的不斷創(chuàng)新和發(fā)展，金融市場(chǎng)對(duì)于農(nóng)村經(jīng)濟(jì)增長(zhǎng)、農(nóng)業(yè)技術(shù)進(jìn)步以及農(nóng)民經(jīng)濟(jì)收入增加都發(fā)揮了比較重要的推動(dòng)作用。

二、金融支持、新型農(nóng)村金融機(jī)構(gòu)創(chuàng)新與三農(nóng)發(fā)展關(guān)系分析

就農(nóng)村金融支持跟農(nóng)村經(jīng)濟(jì)扶貧之間的關(guān)系來(lái)講，主要是圍繞以下幾個(gè)方面來(lái)進(jìn)行研究。依靠對(duì)農(nóng)村小額信貸的扶貧模式分析，能夠進(jìn)一步總結(jié)農(nóng)村小額信貸扶貧模式的運(yùn)作條件以及運(yùn)作機(jī)制等。通過(guò)研究農(nóng)村發(fā)展歷史數(shù)據(jù)，并依靠它作為研究樣本來(lái)對(duì)農(nóng)村金融改革以及金融支農(nóng)的關(guān)系進(jìn)行研究，明確進(jìn)一步強(qiáng)化農(nóng)村金融機(jī)構(gòu)在支農(nóng)方面的支持就需要健全完善公共財(cái)政體系，并在此基礎(chǔ)上進(jìn)一步發(fā)揮金融支農(nóng)的效用和功能。除此之外，農(nóng)村地區(qū)小額信貸對(duì)于當(dāng)?shù)氐慕?jīng)濟(jì)社會(huì)發(fā)展也具有重要的推動(dòng)作用，需要明確的是，小額信貸對(duì)于不同收入水平的家庭來(lái)講，所產(chǎn)生的影響存在著比較大的差異，但是在提高農(nóng)村貧困人口收入方面能夠發(fā)揮比較大的積極作用。

農(nóng)村金融機(jī)構(gòu)的創(chuàng)新和發(fā)展能夠推動(dòng)農(nóng)村地區(qū)經(jīng)濟(jì)社會(huì)的持續(xù)發(fā)展，對(duì)于服務(wù)三農(nóng)、提高農(nóng)民收入都具有重要意義。不過(guò)長(zhǎng)時(shí)間以來(lái)，我國(guó)的農(nóng)村地區(qū)一直都存在著金融機(jī)構(gòu)網(wǎng)點(diǎn)比較少、農(nóng)村金融信貸能力比較薄弱的問(wèn)題，這已經(jīng)成為制約農(nóng)村經(jīng)濟(jì)發(fā)展的一個(gè)很重要因素。伴隨著我國(guó)2006年開啟的農(nóng)村金融體制改革，我國(guó)對(duì)于農(nóng)村金融市場(chǎng)的準(zhǔn)入門檻逐漸放寬，正逐步允許包括信貸公司、村鎮(zhèn)銀行、小額貸款公司以及資金互助組等相關(guān)的新型農(nóng)村金融機(jī)構(gòu)在農(nóng)村地區(qū)開設(shè)和發(fā)展。對(duì)于農(nóng)村金融市場(chǎng)來(lái)講，農(nóng)村企業(yè)以及生產(chǎn)經(jīng)營(yíng)者最主要的融資方式還是間接融資。正是由于間接融資的重要性，銀行等金融中介在篩選、監(jiān)督以及時(shí)候貸款收回中都對(duì)資金使用者起著非常重要的作用。在農(nóng)村經(jīng)濟(jì)發(fā)展過(guò)程中，農(nóng)村銀行等相關(guān)的金融機(jī)構(gòu)發(fā)展直接關(guān)系著農(nóng)村地區(qū)廣大生產(chǎn)經(jīng)營(yíng)者的融資水平。跟城市的企業(yè)融資相比較，農(nóng)村地區(qū)生產(chǎn)經(jīng)營(yíng)者跟企業(yè)的規(guī)模常常比較小，中小型企業(yè)居多。同時(shí)農(nóng)村企業(yè)自身的融資特點(diǎn)以及發(fā)展?fàn)顩r也在很大程度上決定了它們信貸需求的要求以及特點(diǎn)等。農(nóng)村金融機(jī)構(gòu)創(chuàng)新不足、同質(zhì)化現(xiàn)象嚴(yán)重、金融機(jī)構(gòu)較少，這些都在很大程度上對(duì)農(nóng)村的金融供給造成了制約和影響，并進(jìn)一步降低了農(nóng)村地區(qū)的經(jīng)濟(jì)增長(zhǎng)和貸款規(guī)模的增長(zhǎng)。從這個(gè)角度上講，對(duì)農(nóng)村金融進(jìn)行必要的創(chuàng)新，提高自身的競(jìng)爭(zhēng)能力，完善金融服務(wù)體系可以有效推動(dòng)農(nóng)村地區(qū)經(jīng)濟(jì)發(fā)展。

農(nóng)村金融機(jī)構(gòu)的發(fā)展和創(chuàng)新對(duì)于提高農(nóng)民的經(jīng)濟(jì)收入也有著很大的關(guān)系。農(nóng)村金融發(fā)展可以從多個(gè)角度和方面影響農(nóng)民的經(jīng)濟(jì)收入。金融體系完善和發(fā)展能夠有效推動(dòng)技術(shù)的進(jìn)步和創(chuàng)新，這有利于經(jīng)濟(jì)的持續(xù)發(fā)展。同時(shí)，農(nóng)村金融市場(chǎng)能夠切實(shí)推動(dòng)農(nóng)村儲(chǔ)蓄投資轉(zhuǎn)化水平，進(jìn)而提升和改善農(nóng)村資金的投資使用效益，進(jìn)而從根本上推動(dòng)農(nóng)村經(jīng)濟(jì)發(fā)展，提高農(nóng)民的經(jīng)濟(jì)收入。一般來(lái)講，農(nóng)村金融體系的規(guī)模以及深化程度的提高跟農(nóng)村收入水平以及農(nóng)村資本之間具有較高的正相關(guān)關(guān)系，通過(guò)比較研究我國(guó)農(nóng)村經(jīng)濟(jì)社會(huì)發(fā)展水平可以發(fā)現(xiàn)金融發(fā)展在一定程度上是有助于農(nóng)民經(jīng)濟(jì)收入提高的。

三、進(jìn)一步強(qiáng)化金融對(duì)三農(nóng)支持的建議措施

第一，進(jìn)一步深化農(nóng)村金融體制改革，積極完善和構(gòu)建農(nóng)村金融市場(chǎng)。對(duì)于三農(nóng)建設(shè)和發(fā)展來(lái)講，健全完善的農(nóng)村金融市場(chǎng)具有重要的支持和保障意義。這就需要在此基礎(chǔ)上進(jìn)一步加深農(nóng)村金融服務(wù)體系改革，完善金融市場(chǎng)，強(qiáng)化農(nóng)村金融服務(wù)在三農(nóng)中的支持作用。就我國(guó)的農(nóng)村金融體系而言，中國(guó)農(nóng)業(yè)銀行、中國(guó)農(nóng)業(yè)發(fā)展銀行以及農(nóng)村信用社是整個(gè)金融體系的主要組成部分，這三者在服務(wù)三農(nóng)，支持農(nóng)村經(jīng)濟(jì)社會(huì)發(fā)展方面發(fā)揮著不同的職能和作用，同時(shí)也在履行著各自的責(zé)任以及義務(wù)。伴隨著我國(guó)農(nóng)村金融體制改革的進(jìn)一步深化以及我國(guó)農(nóng)村經(jīng)濟(jì)社會(huì)的快速發(fā)展，這三大農(nóng)村金融機(jī)構(gòu)應(yīng)當(dāng)圍繞三農(nóng)發(fā)展的實(shí)際需求和自身的功能和職責(zé)定位，進(jìn)一步完善其功能，在此基礎(chǔ)上為農(nóng)村農(nóng)業(yè)發(fā)展提供更好的支持和保障。中國(guó)農(nóng)業(yè)銀行應(yīng)當(dāng)積極圍繞農(nóng)村發(fā)展需要，進(jìn)行金融產(chǎn)品創(chuàng)新，滿足農(nóng)業(yè)發(fā)展資金需求，積極跟國(guó)際接軌，實(shí)施商業(yè)化發(fā)展道路，在滿足三農(nóng)發(fā)展需求前提下走市場(chǎng)發(fā)展道路，以便能夠?yàn)槿r(nóng)的發(fā)展提供更為有利的服務(wù)支持。同時(shí)，中國(guó)農(nóng)業(yè)發(fā)展銀行需要進(jìn)一步發(fā)揮自身作為政策性銀行的金融支持作用，在農(nóng)村環(huán)境建設(shè)以及農(nóng)村基礎(chǔ)設(shè)施建設(shè)方面貢獻(xiàn)更大的力量。農(nóng)村信用社需要積極跟進(jìn)國(guó)際形勢(shì)，依靠自身立足農(nóng)村、體系完善的優(yōu)勢(shì)，進(jìn)一步減少其手續(xù)繁瑣、效率低下的潛在弊病，在服務(wù)三農(nóng)發(fā)展、支持農(nóng)村經(jīng)濟(jì)社會(huì)發(fā)展方面發(fā)揮更大的建設(shè)性作用。 第二，嚴(yán)格管控農(nóng)村金融機(jī)構(gòu)的資金流動(dòng)情況，切實(shí)保障三農(nóng)資金的科學(xué)運(yùn)用。對(duì)于資本市場(chǎng)來(lái)講，資本是其中最重要的因素之一，同時(shí)資本本身具有追利性的特點(diǎn)，這也在一定程度上導(dǎo)致農(nóng)村金融市場(chǎng)上資金配置不夠合理，農(nóng)村資金流失現(xiàn)象較為嚴(yán)重。這不僅不利于三農(nóng)發(fā)展的資金需求，難以滿足農(nóng)村生產(chǎn)經(jīng)營(yíng)者的發(fā)展，同時(shí)對(duì)于國(guó)家以及政府部門對(duì)農(nóng)村的金融管控都產(chǎn)生了一定的負(fù)面影響。正是基于此，國(guó)家應(yīng)當(dāng)站在宏觀經(jīng)濟(jì)發(fā)展的角度，認(rèn)真對(duì)待農(nóng)村金融機(jī)構(gòu)的資金流動(dòng)，對(duì)農(nóng)村金融機(jī)構(gòu)的資金流向進(jìn)行科學(xué)管控，在此基礎(chǔ)上切實(shí)保障農(nóng)村金融機(jī)構(gòu)的相關(guān)資金能夠?yàn)槿r(nóng)發(fā)展提供支持和保障，在保障自身經(jīng)濟(jì)效益的同時(shí)推動(dòng)農(nóng)業(yè)發(fā)展，繁榮農(nóng)村經(jīng)濟(jì)，真正實(shí)現(xiàn)為農(nóng)村經(jīng)濟(jì)社會(huì)發(fā)展提供金融支持和服務(wù)。

第三，進(jìn)一步加快農(nóng)村金融創(chuàng)新步伐。金融創(chuàng)新是推動(dòng)自身發(fā)展進(jìn)一步的重要手段和途徑。當(dāng)前，我國(guó)農(nóng)村金融市場(chǎng)相對(duì)比較落后，金融產(chǎn)品以及金融服務(wù)品種都比較少，金融工具在推動(dòng)三農(nóng)發(fā)展方面也缺少必要的支持和保障。正是基于此，要強(qiáng)化農(nóng)村金融機(jī)構(gòu)對(duì)于三農(nóng)的支持和幫扶，就需要對(duì)農(nóng)村金融進(jìn)行必要的創(chuàng)新，包括金融機(jī)構(gòu)以及金融產(chǎn)品等。農(nóng)村金融機(jī)構(gòu)應(yīng)當(dāng)圍繞農(nóng)村金融服務(wù)需求，結(jié)合自身發(fā)展，積極創(chuàng)新農(nóng)村金融品種和服務(wù)，不斷增加金融工具以及金融產(chǎn)品的種類，推動(dòng)農(nóng)村金融市場(chǎng)的發(fā)展。農(nóng)村金融機(jī)構(gòu)需要結(jié)合農(nóng)村發(fā)展實(shí)際，圍繞農(nóng)村資金需求，積極推出滿足農(nóng)村金融需求的貸款種類以及儲(chǔ)蓄品種等，同時(shí)還需要積極拓寬農(nóng)村金融服務(wù)的范圍和層面，將金融服務(wù)從原先的信貸支持逐漸向多層次、多角度進(jìn)行擴(kuò)展，依靠手段創(chuàng)先推動(dòng)農(nóng)村金融市場(chǎng)發(fā)展，積極支持新農(nóng)村建設(shè)。

第四，進(jìn)一步加大農(nóng)村金融政策的扶持力度，依靠政策融合積極發(fā)揮商業(yè)銀行以及政策性銀行的推動(dòng)作用。對(duì)于農(nóng)村金融機(jī)構(gòu)來(lái)講，受制于農(nóng)業(yè)本身所具有的弱質(zhì)性特點(diǎn)，導(dǎo)致其在提供農(nóng)村金融服務(wù)時(shí)常常周期比較長(zhǎng)、收益率比較低，因此對(duì)于農(nóng)村金融機(jī)構(gòu)應(yīng)當(dāng)給予一定的政策扶持以及資金支持。相關(guān)金融主管部門應(yīng)當(dāng)結(jié)合農(nóng)村實(shí)際，依據(jù)具體情況進(jìn)行具體的政策研究和制定，積極改革現(xiàn)有的信貸管理機(jī)制，加大資金和政策扶持力度，進(jìn)一步放寬金融審批條件，制定出相應(yīng)的貸款額度，降低貸款門檻，切實(shí)減輕農(nóng)村金融機(jī)構(gòu)以及農(nóng)村生產(chǎn)經(jīng)營(yíng)者的貸款負(fù)擔(dān)。同時(shí)，伴隨著農(nóng)民經(jīng)濟(jì)收入的增加以及農(nóng)村經(jīng)濟(jì)社會(huì)的發(fā)展，農(nóng)村金融機(jī)構(gòu)應(yīng)當(dāng)在原先的金融服務(wù)基礎(chǔ)上進(jìn)一步創(chuàng)新，提供更多的惠農(nóng)金融項(xiàng)目，積極發(fā)揮涉農(nóng)政策性銀行以及商業(yè)銀行的職能和作用，并逐步提高經(jīng)濟(jì)效益。依靠政策融合，切實(shí)優(yōu)化商業(yè)銀行和政策性銀行的職能，實(shí)現(xiàn)功能和資源的優(yōu)化組合，更好地服務(wù)農(nóng)村金融和經(jīng)濟(jì)發(fā)展。

第五，擴(kuò)展農(nóng)村金融機(jī)構(gòu)的類型，并切實(shí)規(guī)范民間金融機(jī)構(gòu)的發(fā)展。進(jìn)一步擴(kuò)展農(nóng)村金融機(jī)構(gòu)，尤其是中小金融機(jī)構(gòu)的類型有助于活躍農(nóng)村金融市場(chǎng)，對(duì)于推動(dòng)農(nóng)村經(jīng)濟(jì)發(fā)展具有重要意義。應(yīng)當(dāng)在規(guī)范管理的基礎(chǔ)上，進(jìn)一步增加農(nóng)村金融機(jī)構(gòu)的類型和種類，實(shí)現(xiàn)三農(nóng)服務(wù)形式的多樣化。應(yīng)當(dāng)進(jìn)一步降低農(nóng)村金融市場(chǎng)的準(zhǔn)入門檻，積極發(fā)展多種形式的農(nóng)村金融機(jī)構(gòu)，，放寬民間資本金融農(nóng)村金融市場(chǎng)的限制條件和約束。發(fā)展中小型農(nóng)村金融機(jī)構(gòu)，積極吸引民間資本創(chuàng)辦金融機(jī)構(gòu)和組織，為三農(nóng)發(fā)展和農(nóng)村生產(chǎn)經(jīng)營(yíng)者提供形式多樣的金融服務(wù)支持，依托民間金融機(jī)構(gòu)補(bǔ)充現(xiàn)有金融機(jī)構(gòu)的不足，積極推動(dòng)農(nóng)村金融市場(chǎng)的發(fā)展和完善，并逐步提高其規(guī)范性，實(shí)現(xiàn)農(nóng)村資金的合理流動(dòng)和優(yōu)化配置。

第六，進(jìn)一步優(yōu)化農(nóng)村金融信用環(huán)境，切實(shí)推動(dòng)農(nóng)村金融生態(tài)環(huán)境的良性發(fā)展。為了保障發(fā)展模式的良性循環(huán)，應(yīng)當(dāng)積極圍繞農(nóng)村金融特點(diǎn)建立完善相應(yīng)的還款信用體系，進(jìn)一步提升農(nóng)村生產(chǎn)經(jīng)營(yíng)者的信用意識(shí)和觀念，優(yōu)化農(nóng)村金融信貸的環(huán)境和氛圍。在此基礎(chǔ)上，進(jìn)一步健全和完善農(nóng)村金融風(fēng)險(xiǎn)防范機(jī)制，切實(shí)規(guī)避和防范農(nóng)村信貸違約風(fēng)險(xiǎn)。除此之外，還應(yīng)當(dāng)緊密結(jié)合農(nóng)業(yè)保險(xiǎn)，實(shí)現(xiàn)業(yè)務(wù)上的優(yōu)化組合，切實(shí)降低金融風(fēng)險(xiǎn)。實(shí)現(xiàn)農(nóng)村、農(nóng)民、農(nóng)業(yè)跟農(nóng)村金融機(jī)構(gòu)之間的和諧相處，實(shí)現(xiàn)三方互贏，切實(shí)推進(jìn)農(nóng)村金融機(jī)構(gòu)在推動(dòng)農(nóng)村發(fā)展、服務(wù)農(nóng)村經(jīng)濟(jì)、提高農(nóng)民收入方面的積極作用。

總的來(lái)講，金融支持能夠有效提高農(nóng)村經(jīng)濟(jì)社會(huì)發(fā)展，依靠農(nóng)村金融機(jī)構(gòu)創(chuàng)新可以改善農(nóng)村金融市場(chǎng)結(jié)構(gòu)，推動(dòng)農(nóng)村經(jīng)濟(jì)增長(zhǎng)，提高農(nóng)民經(jīng)濟(jì)收入，對(duì)于服務(wù)三農(nóng)，滿足農(nóng)村經(jīng)營(yíng)生產(chǎn)者的資金需求都具有重要的現(xiàn)實(shí)意義。

First, the background introduction

In recent years, our country has promulgated a series of policies to encourage rural financial innovation, and promote the development of rural financial market. Relying on financial innovation to improve the supply of rural funds is becoming the goal and direction of China's rural financial reform. Under the encouragement of a series of policies, the innovation of rural financial institutions in our country is rapidly moving forward, and various new rural financial institutions are also emerging and developing. Rural banks, rural mutual funds, small loan companies and other rural financial institutions continue to appear. New rural financial institutions continue to emerge and development, in a large extent can effectively improve the rural financial service quality, improve the support of funds in agriculture, also to improve the level of financial services in rural areas further rural economic and social development play positive role. At the same time, small loan companies and rural financial institutions also

effectively guide the private capital in the field of agriculture related business, to realize the "silver" cooperation, itself as a bridge between the big money and small customers link play an active role.

The development of new rural financial institutions can effectively improve the structure of financial market in rural areas, and further reduce the cost of the relevant financial products. At the same time, the development of new rural financial institutions also contribute to innovative financial products, and then in different rural areas using different financial products, in line with the local economic and social development needs. Especially at present, with the continuous innovation and development of China's rural financial institutions, financial markets for rural economic growth, technological advances in agriculture and increasing the income of farmers play an important role in promoting.

Two, financial support, the new rural financial institutions and the relationship between the development of agriculture and rural development

In terms of the relationship between rural financial support and rural economic poverty alleviation, the main focus is on the following aspects. Rely on rural microfinance model of poverty alleviation, to further summarize the rural microfinance poverty alleviation mode of operation conditions and operation mechanism, etc.. Through the study of the history of the development of countryside data and rely on it as the research sample of rural financial reform and financial support of the relationship, clear to further strengthen the rural financial institutions in terms of agriculture support will need to improve and perfect the public finance system and on thisbasis, further play the utility and function of financial support for agriculture. In addition, micro credit in rural areas for local economic and social development also has an important role, is to be clear, microfinance for families of different income levels, generated by the impact exist relatively large differences, but to increase the income of the rural poor population can play a positive role in a relatively large.

The innovation and development of rural financial institutions can promote the sustainable development of economy and society in rural areas, which is of great significance for the service of agriculture, rural areas and farmers. But for a long time, China's rural areas there have always been problems of the network of financial institutions is relatively small, the relatively weak capacity of rural financial credit, which has become a constraining rural economic development an important factor. Along www.14se.net with the rural financial system reform in China 2006 opening, in our country, the rural financial market access threshold gradually relaxed, is gradually allow including credit companies, village banks, small loan companies and mutual fund group of new rural financial institutions in rural areas the opening and development. For the rural financial market, rural enterprises and production operators are the most important financing method or indirect financing. It is precisely because of the importance of indirect financing, banks and other financial intermediaries in the screening, supervision, and time to recover the loan funds are playing a very important role in the user. In the process of rural economic development, the development of rural banks and other related financial institutions is directly related to the level of financing of the vast number of producers and operators in the rural areas. Compared with the city's corporate finance, the scale of production operators and enterprises in rural areas is often relatively small, the majority of small and medium enterprises. At the same time, the financing characteristics and development situation of the rural enterprises have also decided to a great extent the requirements and

characteristics of their credit demand and so on. Rural financial institutions lack of innovation, serious homogenization phenomenon, the financial institutions and less. These are in a great extent of rural financial supply caused restrict and influence, and further reduce the growth of the economic growth and the size of the loan in rural areas. From this point of view, the necessary innovation of rural finance, improve their competitive ability, improve the financial service system can effectively promote the economic development in rural areas.

The development and innovation of rural financial institutions also have a great relationship with the increase of farmers' income. Rural financial development can affect the economic income of www.boxuelun.com farmers from various angles and aspects. The improvement and development of the financial system can effectively promote the progress and innovation of technology, which is conducive to the sustainable development of the economy. At the same time, the rural financial market can effectively promote rural savings investment conversion level, and thus increase and improve rural capital investment efficiency, and thus promote the rural economic development fundamentally, improve the economic income of the farmers. Generally speaking, between the size of the rural financial system and deepen the extent to improve the rural income level and rural capital has a high positive correlation, through a comparative study of China's rural economic and social development level can be found in the financial development in a certain extent is help to enhance the economic income of farmers of.

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