摘要:金融在现代经济发展的过程中处于重要地位，农村金融的发展对农村经济社会的发展，具有举足轻重的地位。作为欠发达的苏北特别是苏北农村地区经济发展水平相对较低，在很大程度上影响了苏北农村金融的发展，反过来，苏北农村金融滞后的发展也无法为现代农村经济的发展提供强有力的资金支持。所以加快农村金融的改革势在必行，从而使农村金融充分发挥促进社会主义新农村建设的作用。

　　　 本文运用调查的数据，在对苏北农村经济发展，金融机构发展，金融供需情况以及苏北农村融资现状分析的基础上，通过对比分析和实证分析，找出苏北农村金融发展中存在的主要问题，尝试为进一步的完善该地区的农村金融体系而提供新的思路，寻找新的方法，开拓苏北农村金融新局面。

关键字 苏北地区；农村经济；农村金融

Abstract:Finance in the modern economic development in an important position, in the process of the rural financial development on rural economic and social development, has a pivotal position.As the less developed northern subei , the economic development level of Northern Jiangsu is relatively low, to a great extent has affected the development of north Jiangsu rural finance, in turn, lags behind the development of north Jiangsu rural finance cannot provide the development of modern rural economy strong financial support.So to speed up the rural financial reform is imperative, so that the rural financial give full play to the role of promoting socialist new rural construction.

　   Using survey data, this paper on the economic development of Northern Jiangsu, the development of financial institutions, financial supply and demand situation and the financing of Northern Jiangsu based on the analysis of the status quo, through the comparative analysis and empirical analysis, find out the main problems existing in the development of north Jiangsu rural finance, trying to further improve the rural financial system in the region and provide a new train of thought, looking for new ways to open up a new prospect rural finance.

Keywords  Northern Jiangsu  Rural economy  Rural financial