摘 要

农业是我国的基础产业，而农业的发展与农村经济的发展有着密切的联系。我们党和政府始终把促进农业发展、维护农村稳定、增加农民收入作为工作重点。虽然整体来看，我国的农业农村发展态势较好，但农村经济依然相对来说依旧比较落后，城乡经济差距越来越明显。要全面建设社会主义现代化国家，就必须要重视农村经济的发展，而促进农村经济发展的关键，就是发展农村金融，农村金融作为农村经济建设的关键力量，在支持农村产业振兴方面起着不可替代的作用，所以要不断提高农村的金融服务能力和水平。因此，本文研究了农村金融对农村经济发展的影响，了解了国内外研究现状，通过农业总产值、农民居民收入水平和我国贷款现状进一步了解农村金融发展现状和农村经济发展现状，根据二者发展现状分析出二者关系，得出农村金融的发展能够促进农村经济的发展，而农村金融发展的滞后会阻碍农村经济的发展这一结论，再由此结论分析农村金融对农村经济的影响，并通过所造成的影响找出农村金融影响农村经济存在的问题，最后为促进农村金融发展，深化农村金融改革，为农村金融促进农村经济发展提出了几点措施和建议。

关键词：农村经济；农村金融；存在问题；对策建议

Abstract

Agriculture is our country's basic industry,and the development of agriculture is closely related to the development of the rural economy. Our party and government have always focused on promoting agriculturaldevelopment, maintaining rural stability, and increasing farmers’ income. Although on the whole, my country's agricultural and rural development is in a good situation, the rural economy is still relatively backward,and the economic gap between urban and rural areas is becoming more and more obvious. To build a modern socialist country in an all-round way,we must attach importance to the development of rural economy. The key to promoting rural economic development is to develop rural finance.As a key force in rural economic construction,rural finance plays an irreplaceable role in supporting the revitalization of rural industries. Therefore, this article studies the impact of rural finance on rural economic development,understands the current research status at home and abroad,and further understands the current status of rural financial development and rural economic development through the total agricultural output value, the income level of farmers and the current status of loans in my country. The current situation of the impact of rural finance on the rural economy,and further thinking about the development of rural finance and rural economy. And through the impact caused to find out the problems that rural financeaffects the rural economy,it is concluded that thedevelopment of rural finance can promote the development of the rural economy, and the lag of the development of rural finance will hinder the development of the rural economy. Finally, in order to promote the development of rural finance,deepen the reform of rural finance,and put forward several measures and suggestions for rural finance to promote the development of rural economy.

Keywords: rural economy；Rural finance；Existing problems；Countermeasures and suggestions

 

目 录

摘 要 I

Abstract II

目 录 III

第一章 绪论 1

1.1 研究背景和意义 1

1.1.1 研究的背景 1

1.1.2 研究的意义 1

1.2 文献综述 2

1.2.1 国外文献综述 2

1.2.2 国内文献综述 2

1.3研究内容 3

第二章 农村金融对农村经济发展的影响的现状 4

2.1 农村经济现状 4

2.1.1 农业总产值 4

2.2.2农村居民收入水平 4

2.2 农村金融现状 5

2.2.1 我国农村金融体系现状 5

2.2.2我国农村金融发展规模现状 5

2.2.3我国农村贷款现状 6

2.3农村金融与农村经济发展之间的关系 6

第三章 农村金融对农村经济发展的影响 7

3.1农村金融体系对农村经济的影响 7

3.2农村金融发展规模对农村经济的影响 7

3.3农村金融贷款对农村经济的影响 7

第四章 农村金融的发展对农村经济影响存在的问题 9

4.1缺乏完善的农村金融服务体系 9

4.2农村金融服务体系效率不高 9

4.3农村金融市场发展不完善，农村资金出现外流 9

4.4农村贷款数量少，缺少专业化管理体制 9

第五章 完善农村金融发展的对策建议 10

5.1 完善农村金融服务体系，提高金融服务效率 10

5.2扩大农村金融市场，防止资金外流 10

5.3加强农村金融的专业化管理，为农村贷款提供保障 11

5.4加快乡村振兴，推动农村经济转型升级 11

致 谢 12

参考文献 14