摘要：我国作为一个农业大国，“三农”问题一直是社会关注的焦点，然而21世纪以来，尤其是加入WTO以后，我国农村和农业的发展进入了新的局面。传统农业正面临着严峻的考验，农民收入增长缓慢，城乡居民收入差距拉大，如何发展农村经济已成为我国国民经济发展的重大问题。

　　　农村金融作为现代金融的重要组成部分，是一种重要的资源配置方式，对农村经济增长乃至农村和农业经济的发展起着至关重要的作用。一方面，农村经济增长离不开有效的金融支持。从我国农村经济发展的现状来看，农村经济增长需要大量的资金的积累和再投入，直接或者间接地依赖于农村金融的发展与支持。另一方面，在我国农村经济的一系列改革过程中，农村金融的改革始终略显落后，农村金融发展并没有适应农村经济增长对金融服务的有效需求，甚至在一定程度上阻碍了农村经济增长。

　　　农村金融发展对于农村经济增长的影响究竟如何，本文运用实证分析的方法对这个话题进行了研究。此外，本人也尝试提出一系列的解决方案和政策建议。本文的研究对于我国农村金融发展和农村经济增长的理论和实践都是具有借鉴意义。

关键词：农村金融的发展，农村经济增长，实证分析

ABSTRACT：China is a large agricultural country and the" three rural" issue has been the focus of social concern. But in the 21st century , especially after joining in the WTO, China's rural and agricultural development has entered a new situation. Traditional agriculture is facing a severe test, with slow income growth of farmers and urban-rural income gap. How to develop the rural economy has become a major economic issue.

　　　　Rural finance , as an important part of modern finance , is an important resource allocation  and plays a vital role in the development of rural and agricultural economy. On the one hand, rural economic growth is inseparable from effective  financial support. For our current situation of rural economic development, rural economic growth requires a lot of capital accumulation and re-invest, directly or indirectly dependent on the development and support of rural finance.  On the other hand, for a series of  reforms of rural economy, rural finance reform has been a bit backward. Rural  financial development does not meet the effective demand of economic growth in rural areas , even to some extent, hinders the growth of rural economy.

　　　　How does rural financial development affect economic growth in rural areas ?In this paper, empirical analysis method is studied on this topic. In addition, I also try to put forward a series of solutions and policy recommendations. This study is also of significance for the theory and practice of China's rural financial development and rural economic growth.

Keywords: Rural finance development, Rural economic growth, Empirical analysis