近年来,农村金融改革步伐加快,农村金融服务体系逐步完善,涉农金融业务持续增长,农村金融创新力度不断加大,但农村发展融资难、农民贷款难等状况仍未得到根本改变。农村金融是涉及经济、社会生活等多方面的系统工程,仅靠金融和“三农”本 In recent years, the rural financial reform accelerated, the rural financial service system was gradually improved, the financial-related financial services continued to grow, and the financial innovation in rural areas continued to increase. However, the situation of rural development financing difficulties and peasants’ loan difficulties has not yet been fundamentally changed. Rural finance is a systematic project involving many aspects such as economy and social life. Only by means of finance and “agriculture, rural areas and farmers”