中文摘要：

近年来，我国农村金融体制改革取得了长足进展。但是，农村金融整体风险状况仍然十分突出，并成为制约新农村建设顺利推进的一大障碍。基于此，本文以市场经济条件下深化我国农村金融体制改革为导向，分别从解决农村金融“增量”风险和“存量”风险两个角度，结合我国农村经济与农村金融的实际，提出了建设我国农村金融风险防范与化解机制的具体思路。

英文摘要：

In the recent years, China has made considerable progress in rural tmancial system reform. However, the overall risk condition is still striking and has become a serious obstacle to the smooth advancement of new countryside construction. This paper, guided by the deepening of our rural financial system reform in the condition of market economy, viewing from the two angles of dissolving both ＂increment＂ risk and ＂stock＂ risk in rural finance, and based on our actual rural economy and finance, proposes a specific thinking for the establishment of rural financial risk prevention and dissolution mechanism.