目 录
内容摘要···································································2
关键词·····································································2
引言·······································································2
我国农村金融服务现状及缺陷·············································4
农村金融服务的涵义·················································4
农村金融服务的特点·················································4
我国农村金融的发展现状分析·········································4
我国农村金融服务对农村经济发展的作用···································4
农村金融服务为农村经济建设提供资金保障······························4
农村金融服务在农村建设中有着资金效率高的优势························5
农村金融服务对农村建设发挥着催化剂、助推剂和粘合剂的作用············5
农村金融是调节新农村建设的重要杠杆··································5
我国农村金融服务存在的问题·············································5
农村金融机构的缺少··················································6
金融产品单一化······················································6
农村金融市场呈现垄断、缺少竞争······································6
农村金融资金从农村地区外流问题比较严重······························6
对未来我国农村金融服务的建议···········································6
建立科学的农村金融服务·············································6
发展农业保险金融···················································7
创新农村金融环境···················································7
参考文献··································································9
内 容 摘 要
金融与经济自产生以来就相辅相成，两者关系历来是金融学家和经济学家争锋的焦点。我国农村经济的发展离不开农村金融的有效支持，农村金融在农村经济结构的调整优化过程中起着融资和市场指导作用，是乡镇企业和农村建设的命脉。然而，我国农村金融服务质量不高，难以适应社会主义新农村建设和城乡统筹发展的现实需要。基于此，主要从我国农村金融机构状况进行分析，阐述了现有金融机构普遍存在的两个大的问题：一是金融垄断、缺少竞争；二是资金外流严重。最后找出适合我国农村发展的对策。
【关键词】：农村金融；农村经济；发展；影响
【引言】： 农村经济具有自己的特点：首次的投入高，回报和产出较慢，农业存在着自然的风险；大多数农村经济的基础薄弱，发展农业产业化的资金严重短缺；农民收入水平较低，资金自给能力明显不足。这些方面都说明农村经济的增长是离不开农村金融服务支持的。
