中文摘要：

笔者使用来自我国2006年-2009年1883个县（市）的面板数据，实证分析了农村金融密度对农村经济增长的影响。研究结果表明，从全国层面看，用人均金融机构网点数表示的农村金融密度对农村经济增长有显著的促进作用；农村金融密度与农村经济增长的关系处于倒U形曲线的左边；农村金融密度通过增加贷款数量和提高信贷配置效率两种途径来促进农村经济的增长。跨地区的实证分析发现，东、西部地区农村金融密度对农村经济增长有显著影响，而中部地区则不显著。

英文摘要：

Using the panel data from the 1883 counties （cities） during 2006 -2009, the authors made an empirical analysis of the effect of rural financial density on the rural economic growth. The results show that from the perspective of the whole nation, rural financial density, which is indicated by the number of financial branches per capita, played a significant role in promoting the rural economic growth; the relationship between rural financial density and rural economic growth was at the left side of the reversed U shape curve; the rural financial density promotes the rural economic growth by increasing the amount of loan and improving the efficiency of credit allocation. The cross-regional empirical analysis found that rural financial density significantly boost rural economic growth in the western and eastern regions whereas it is not obvious in the central region.