中文摘要：

以我国1979--2013年农业贷款规模与农业人均生产总值增长率、乡镇企业贷款规模与乡镇企业人均增加值增长率时间序列数据为基础，建立经济计量模型进行实证分析，实证结果表明，我国农村信贷结构对农村经济增长的作用效果存在差异，提高农村信贷资金的利用率能够促进农村经济的增长。对农村信贷结构和农村经济增长关系的格兰杰因果检验表明，农村经济增长是农村信贷规模变化的原因，促进农村经济增长能够改善农村的金融服务水平。

英文摘要：

This paper sets up an econometric models and makes an empirical analysis on the basis of the time-series data of both the agricultural loans and the growth rate agricultural per capita GDP and the township enterprises loans and the growth rate of per capita added value in township enterprise from 1979-2013 in China. The empirical results show that there are differences in the rural credit structures＂ effects on rural economic growth and the increase in the utilization of rural credit funds can promote rural economic growth. Granger causality test shows that rural economic growth accounts for the change in the size of credit in rural areas. The financial services in rural areas can be improved by improving the rural economic growth.