摘要：农村金融是一个全球性的问题，世界各地都在关注农村金融服务的发展，各地区都在寻找适合自己省份的农村金融服务发展的模式。大量的惠农政策与惠农资金涌进了城乡，想借此为农村经济的发展助一臂之力，以上海为例，我们确实看到了一些可圈可点的地方，监管平台的推广应用以及配套设施的建立无不验证了发展农村金融服务业的成效，但农村金融的抑制的情况还是依然存在着，各个金融领域的服务业对农村经济的建设还是较为排外的，在硬件和软件设施差距较大的情况下，农村资金供给不足；信贷服务的不完善；金融环境的匮乏；服务项目的缺乏，如信息不对称制约农村金融服务的发展。本文拟从上海农村金融服务业现状、发展、问题及借鉴等的分析得施提升到一定高度，在硬件设施走上正轨的前提下再对软性金融服务条件加以磨合，到相关结论。由此可见，对农村金融服务业的初步建设旨在应把农村金融硬件设以此来解决农村综合金融服务行业发展的问题。 

关键词：农村金融服务业  影响因素  农村金融  上海地区

Abstract: Rural finance is a problem that all over the world are concerned about where on the development of rural financial services , all regions are looking for their own provinces and rural financial services model development . A large number of preferential agricultural policies and benefits of agricultural funds poured into urban and rural areas would take for the development of rural economy helping to Shanghai , for example, we do see some remarkable place , regulatory platform to promote the application and supporting facilities established to verify the effectiveness of all development of rural financial services , but the situation is still suppressed rural finance is still there , the various financial services to rural areas of the economy or a more exclusive building , facility hardware and software facilities are gaps , insufficient supply of rural funds ; imperfect credit services ; scarce financial environment ; services such as information asymmetry are sparse factors affecting the financial services sector in rural development has become constrained . This paper analyzes the current situation of Shanghai rural financial services, development, and other problems and draw relevant conclusions obtained. Thus, the preliminary financial services in rural areas should be designed to upgrade the hardware facilities of rural finance to a certain height , and then to the running of soft financial conditions of service under the premise hardware on track to solve the rural financial services development of a comprehensive problem.

Keywords: rural financial services   affecting Factors  The rural financial