中文摘要：

我国农村金融发展已取得一定成效，但存在金融机构功能定位不准确、金融抑制现象严重、农业保险体系发展滞后、农村金融产品创新不足等问题。信息不对称、交易成本高、经营风险大因素制约着农村金融发展。要使农村金融走出发展困境，就必须完善现行的农村金融体系，建立财税扶持农村金融机制，建立健全农业保险体系，创新农村金融产品，优化农村金融生态环境。

英文摘要：

China has made some achievements in the financial development of rural areas. However, there exist such problems as inaccurate functional positioning of financial institutions, serious financial repression, backward agriculture insurance system and insufficient innovation in rural financial products. Asymmetric information, high transaction costs and high operational risk re- strict its development. To promote the development of rural finance out of trouble, we should perfect the current rural financial sys- tem, establish the mechanism of fiscal support, build sound agricultural insurance systems, innovate rural financial products and optimize rural financial ecological environment.