黑龙江省农村金融市场目前存在农村金融主体少组织体系不完善、农村保险不适应三农发展需求等诸多问题，
这些问题产生的原因主要是农村正规金融体系萎缩，非正规金融仍处于初级发育阶段，金融当局忽视了对非正规金融的引导监督，信贷资金不能满足农村经济和社会发展需求。农村金融市场内在矛盾突出，金融生态环境恶化，外部环境问题严重。为了更好的发展农村金融应该从建立健全农村金融服务组织体系、加快农村金融的体制改革、建立农村担保体系和金融风险补偿机制等方面进行改正，同时站在全局的角度增强认识，明确目标，以市场为导向确立农村金融的资金价格形成机制，转变政府职能，建立市场主体多元化的竞争性农村金融市场。
关键词：金融改革；农业融资论；农村金融市场
Abstract
Rural financial markets of HeiLongJiang province at present exist some problems of the few of the rural financial organizational and the system is imperfect, rural insurance are not suited three rural development needs, and some other ploblems, which are the main reasons for the formal financial system in rural areas is shrink and non-formal financial still in the initial stage of development, finiacial authorities ignored the guidance of non-formal financial supervision, rural credit funds can not meet the economic and social development needs. The rural financial market inherent contradiction, the financial deterioration of the ecological environment, the external environment issues seriously. In order to better the development of rural finance should be the establishment of a sound rural financial services organization system, speed up rural financial institutional reform, establishment of rural security system and financial risk compensation mechanism and other aspects of correction, standing at the same time enhance the understanding of the overall point of view, the clear objective to Market-oriented rural financial resources to establish price formation mechanism, the transformation of government functions, the establishment of a market diversification of the main competition in rural financial markets.
Keywords：financial reform; the theory of agricultural finance; rural financial market
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