摘  要

解决好“三农”问题，促进农业、农村经济发展，帮助农民增加收入，作为国家经济工作的重中之重，与社会主义新农村建设紧密相关。而社会主义新农村离不开金融的支持，所以农村金融服务体系的建立非常必要。目前，在商丘市存在着农民收入增长缓慢、农民生产资金短缺，以及金融支农思维落后等严重制约建立新农村建设的一些突出矛盾和必须加以解决的问题。如何解决这些矛盾和问题、如何发挥农村金融服务体系的桥梁杠杆作用，如何为农村经济发展铺平道路，是在今后相当长的一段时间内必须时刻思考和贯穿于理论与实践始终的。
本文采用文献调阅、定性分析与定量分析相结合及微观分析和宏观分析相结合的方法等方式，先从我国整体农村金融服务体系的现状出发，说明我国整个农村金融服务体系的发展及我国与世界发达国家农村金融发展状况相比存在的不足，进而以商丘市农村金融市场为对象，通过对具体统计数据进行分析揭示出商丘市农村金融市场现状，客观分析了商丘地区农村金融服务存在的问题，并提出了相应的对策和建议，为商丘市农村金融市场的发展提供了可靠依据。
本文对与商丘市农村金融服务体系相关的问题进行了研究，共分五部分。首先，介绍了研究农村金融服务体系的理论背景与意义。其次，在第二章讨论了我国农村金融服务体系现状。然后，通过对比国内外情况分析了我国农村金融服务与国外对比存在的不足。第三章，本章根据商丘市的现实情况，提出商丘市目前农村金融服务体系中存在的问题。最后根据前一章提出的问题给出具体的政策建议。
关键词： 商丘市； 农村金融服务体系； 农村金融服务改革； 存在的问题

ABSTRACT

Solving the issues related with agriculture, farmer and rural area, the promotion of agriculture, and rural economic development and helping farmers increase income, which as the most important national economic work is closely related to the building of new socialist countryside. The new socialist countryside can not do without financial support, so the establishment of rural financial service system is necessary. Currently, there are some of the outstanding contradictions and problems must be addressed in Shangqiu like that the slow growth of farmers’ income, short of funds and financial support for agriculture and other serious thinking behind the establishment of new rural construction restricting. How to resolve these contradictions and problems, how to play the role of bridge in the rural financial service system, and how to pave roads in rural economic development, are to be always thinking and always through the theory and practice of for a long period of time.
The researching methods of this paper contain literature accessing, qualitative analysis and quantitative analysis as well as micro analysis and macro analysis. The paper starts with the overall rural financial service system of China's current situation to shows that the rural financial service system of China's development and that Chinese shortcomings comparing to rural financial development of the developed countries. Then use the rural financial market of Shangqiu as the object, revealing that the rural financial market situation of Shangqiu by specific statistical analysis of the data, analyzing of problems of rural financial services in the Shangqiu area objectively and put forward countermeasures and suggestions, which provide a reliable basis for the development of rural financial markets of Shangqiu.
In this paper, issues related to Shangqiu rural financial service system are to be studied, and the paper is divided into five parts. First of all, introduce the theoretical background of rural financial service system, and its significance. Second, discuss the status of rural financial service system in the second chapter. Then, analyze the disadvantage of China's rural financial services by comparing the situation of domestic and international. Chapter III, propose the present problems of Shangqiu rural financial service system according to the reality of Shangqiu. Finally, the issue gives concrete policy recommendations raised by the previous chapter.
Keywords: Shangqiu；rural financial service system；rural financial services reform
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