中文摘要：

本文采用2006-2009年1875个县（市）的数据，以金融相关比率为衡量指标，对我国农村地区金融发展水平收敛性进行了实证分析。总体来看，我国农村地区金融发展不存在收敛性，但呈现出13绝对收敛的特征，即农村金融发展相对落后地区潜在发展速度更快，而农村金融发展相对领先地区潜在发展速度相对较慢；分区域农村金融发展不存在俱乐部收敛的特征。呈现以上特征的原因在于我国县域经济发展的宏观大环境和国家对县域经济发展的制度倾斜。目前应加快农村城镇化、工业化、农业产业化进程，推动县域经济发展；建立互补有序、协调发展的农村金融资源配置体系，有效缩短地区间金融资源配置差异，提高农村金融体系效率。

英文摘要：

Based on the FIR （financial interrelation ratio）, the authors use the data from 1875 counties （cities） of China, during 2006-2009, to positively analyze the convergence of the level of financial development in rural areas. The results show that： the overall financial development of financial development doesn＇t show the convergence in rural areas in China. But it presents the characteristics of 13 absolute convergence, that means the higher potential growth rate for areas of relatively lower level of financial development and vice versa. An empirical analysis of regional data reveals a trend of club convergence in different regions. The reason is that these characteristics show the macro environment of county＇s economic development and the state system tilt for the county＇s economic development.