中文摘要：

农村金融作为我国金融体系中的重要一环,却存在＂城乡不平衡＂、＂区域不平衡＂、＂农业产业上下游产业链不平衡＂等基本矛盾。近年来,在京津冀地区及其周边省份的这种差异还呈现出逐步加深的趋势,使农村金融体系薄弱、农村金融发展水平低的省区严重制约了农村经济的发展,出现城乡差距拉大和区域差异加深等突出问题,也严重制约了京津冀协同发展国家战略的顺利实施。笔者创新性地引入分形理论模型与Harrod-Domar经济增长模型、Cobb-Douglas生产函数相结合,选取京津冀地区及其周边8省份的农村储蓄投资转化率与农业资本产出效率对农村人均纯收入的非线性影响进行实证,探讨农村经济发展和农村金融环境之间的复杂关系。研究发现,区域间与区域内农村金融发展具有非线性发展规律,不同地区的分形维数变化较大,金融需求的满足程度也随着区域的不同而有所差异地呈现着动态的、非线性的分形特征。其结论为进一步研究京津冀地区农村金融发展的其他相关问题奠定了良好的基础。

英文摘要：

As an important part of China＇s financial system,the rural financial system suffers from contradictions,such as＂urban-rural imbalance＂,＂regional imbalance＂,＂industrial chain imbalance＂,and so on. In recent years,the imbalance between Jingjinji region and its surrounding provinces has been gradually deepened,which has seriously restricted the development of rural economy,widen gap between urban and rural areas,and the imbalance in the development of the Jingjinji region and its surrounding provinces. Applying the fractal theory model and Harrod-Domar model with Cobb-Douglas production function,the paper discusses the relationship between rural economic development and rural financial environment in Jingjinji region and its surrounding areas. The research finds that the intra-regional and inter-regional rural financial development are nonlinear. The conclusion can provide a solid foundation for further research on other related problems of rural financial development in Jingjinji region.