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中文摘要：
金融作为现代经济的核心，是社会主义新农村建设不可或缺的因素。然而，现阶段我国农村金融组织的产权制度缺陷制约了其对新农村建设的效能发挥，必须加以治理，而治理的方式就是对现有农村金融组织的产权制度进行改进与优化。文章以分析我国农村金融组织的产权制度缺陷为切入点，对农村金融组织进行了划分，在此基础上分别提出了农村商业性金融组织、农村合作性金融组织、农村政策性金融组织产权制度的优化路径。该研究成果将为提升我国农村金融组织体系支持新农村建设的服务效能，加快推进我国新农村建设的实践进程，提供重要的决策参考与理论指导，具有非常重要的理论与现实意义。
英文摘要：
Finance is the core of modern economics, which is a necessary condition to socialism reconstruction for new countryside. However, current rural finance system has not been able to exert its functions of supporting the rural economy development. On one hand, the financial demand and supply of the rural entities are insufficient, on the other hand, extremely scarce financial resources originating from the countryside actually continuously transform to the city as non-agricultural resources. Therefore, during the period of our socialism new rural reconstruction, it is very significant in theory and practice for us to study the relationship, the mutual mechanism and the transmission among rural economy growth, financial function exertion, financial structure optimization and financial environments melioration.
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