中文摘要：

在新形势下农村经济社会发展的多变性而衍生了农村金融需求的多变性,通过新形势下农村金融的功能定位讨论,得出有效、可持续地满足农民生活性金融需求是农村金融的基础功能,并诱导生产性金融需求持续快速增长是农村金融的核心功能,进而全面促进农村劳动分工与专业化生产是农村金融的本质功能的结论。当前要做好农村金融组织的＂存量改革＂,同时辅之以＂增量创新＂。＂存量改革＂的重点是培育现有农村金融组织的胜任特征,＂增量创新＂重点是促进农村金融管理运营模式创新和农村金融服务领域创新。

英文摘要：

Under the new situation,the variability of the rural economic and social development derivates the variability of the demand of rural finance.Through discussion of the functional orientation of rural finance under the new situation,this paper draws a conclusion that to effectively and continuously meet the financial demands in farmers’life is the basic function of rural finance;to induce a continuous and rapid growth of productive financial demand is its core function;and to accelerate comprehensively the rural division of labor and specialized production is its essential function.At present,we should carry out the ＂stock reform＂ of the rural financial organizations,which is,at the same time,complemented with ＂ increment innovation＂.The focus of the ＂stock reform＂ is to foster the characteristics of being competent for the existing rural financial organizations;the focus of ＂increment innovation＂ is to help the rural finance to booster the innovation of the management and operational mode and the innovation of the services.