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民间借贷的繁荣及其发展的不规范性,从一个侧面反映了我国农村金融服务体系建设的滞后。本文从创新农村金融组织体系、农村金融服务功能和农村金融服务市场以及完善金融服务法律法规等角度,阐释现代农村金融服务对农村发展的重要性。通过运用市场机制和政府的扶持引导,进一步完善农村金融服务体系的建设,从而为农村的现代化提供有力支持。
The prosperity of private lending and the non-standardization of its development reflect the lag of construction of China’s rural financial service system from one aspect. This paper illustrates the importance of modern rural financial services to rural development from the perspectives of innovating rural financial system, rural financial service functions and rural financial services market and improving laws and regulations of financial services. Through the use of market mechanisms and government support and guidance, we will further improve the construction of the rural financial service system and provide strong support to rural modernization.