第Ⅰ页辽宁科技大学本科毕业设计（论文）农村金融发展水平的评价与思考摘要中国作为一个农业大国，农业是国家经济强盛发展的根基，农村经济的健康发展对我国经济建设具有重大的战略意义。因此，促进农村经济发展，继而推动国家经济腾飞，是我国当前亟待解决的问题。金融是现代经济的血液，但我国农村金融发展现状是不乐观的。自改革开放以来，我国农村金融共进行了三次改革，农村金融体系不断完善，但我国农村经济不断发展，农村金融制度改革步伐却相对滞后，农村金融的发展，面临着供给和需求之间的不平衡，信用风险突出，金融发展环境恶化，政府管理不到位等问题，很大程度上制约了农村金融的可持续发展。本文首先回顾了我国农村金融改革历程，然后分析了我国农村金融发展现状及其产生原因，然后吸取国外农村金融成功经验，最后提出了我国农村金融未来发展的策略。关键词:农村金融；改革与发展；发展策略第Ⅱ页辽宁科技大学本科毕业设计（论文）TheEvaluationandConsiderationoftheDevelopmentLevelofRuralFinanceAbstractChinaisanagriculturalcountry,Agricultureisthefoundationofthecountry'seconomicdevelopment,thehealthydevelopmentofruraleconomyofourcountry'seconomicconstructionhasimportantstrategicsignificance.Therefore,promotingruraleconomicdevelopmentandnationaleconomictake-off,isthecurrentproblemtobesolvedinourcountry.Financeisthebloodofmoderneconomy,butthestatusquoofruralfinancialdevelopmentisnotoptimistic.Sincethereformandopeningup,theruralfinancehascarriedonthethreereform,andtheruralfinancialsystemisimprovingconstantly,buttheruraleconomyisdevelopingcontinuously,andthepaceofthereformoftheruralfinancialsystemislaggingbehind,theruralfinancialdevelopment,facingtheimbalancebetweensupplyanddemand,creditrisk,financialdevelopmentenvironment,governmentmanagementdoesnotreachthedesignatedposition,toalargeextentrestrictedthesustainabledevelopmentofruralfinance.Firstly,thispaperreviewsthehistoryofChina'sruralfinancialreform,andthenanalyzesthecurrentsituationofruralfinancialdevelopmentinourcountryandcauses,andlearnfromthesuccessfulexperiencesofforeignruralfinancial,andproposesastrategyforthefuturedevelopmentofChina'sruralfinancial.Keywords:Ruralfinance;Reformanddevelopment;Thedevelopmentstrategy第PAGEIV页辽宁科技大学本科毕业设计（论文）目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc420138531"1绪论1HYPERLINK\l"_Toc420138532"1.1研究背景和意义PAGEREF_Toc420138532\h1HYPERLINK\l"_Toc420138533"1.2国内外研究现状PAGEREF_Toc420138533\h1HYPERLINK\l"_Toc420138534"1.2.1国外研究现状PAGEREF_Toc420138534\h1HYPERLINK\l"_Toc420138535"1.2.2国内研究现状PAG