中文摘要：

农村经济发展离不开大量资金流的有力支撑。农村资金流的来源包括农业自身产出、财政投入、金融服务三个方面。通过建立我国农村资金流与经济增长关系的VAR模型，验证二者互动关系后显示，推动农村地区经济增长的金融动力主要源自农村消费和农业存款等自身造血机制；农业金融服务体系贡献十分脆弱，导致农村产业发展缓慢，农户收入增幅较低。为此，必须巩固和强化现有的支农金融机构服务成果，积极探索农村金融服务新形式；加强和完善对农户的信用等级评估体系；打破垄断和政府担保，建立高效的农业金融风险控制模式。

英文摘要：

The rural economic development is inseparable from the strong support of capital flow. Source of capital flow in rural areas including agriculture their outputs, financial investment, financial services three aspects. China＇s rural areas through the establishment of capital flow and economic growth relations VAR model of interaction between the two verification revealed that in rural areas to promote economic growth impetus came mainly from rural finance and agricultural consumption deposit mechanisms, such as their own blood, agriculture contributed to the financial service system is very fragile, leading to the slow development of rural industries, households with lower income growth. So we must take the following countermeasures： to consolidate and strengthen the existing financial institutions the results of agricuhure, and actively explore new forms of rural financial services; to strengthen and improve the farmer＇s credit rating system; to break monopoly and government guarantees, the establishment of efficient agricultural finance risk-control mode.