我国高度重视农村金融发展。2015年11月,中共中央办公厅、国务院办公厅印发了《深化农村改革综合性实施方案》,提出建立适合农业农村特点的农村金融体系,鼓励组建政府出资为主、重点开展涉农担保业务的县域融资担保机构或担保基金。同月,中央全面深化改革领导小组审议通过了《推进普惠金融发展规划(2016-2020年)》,提出着力加强对农村特别是贫困地区金融服务,并强调发展普惠金融的目的就是要提升金融服务的覆盖率、可得性、满意度。要提升农村金融的覆盖率、可得 Our country attaches great importance to rural financial development. In November 2015, the General Office of the CPC Central Committee and the General Office of the State Council printed and distributed the “Comprehensive Implementation Plan for Deepening Rural Reform” and proposed establishing a rural financial system suitable for the characteristics of agriculture and rural areas, encouraging the formation of government-funded funds and focusing on the agriculture-related guarantee business County finance guarantee agency or guarantee fund. In the same month, the leading group for comprehensively deepening the central government’s review and approval of the “Plan for the Development of Inclusive Financial Development (2016-2020)” put forth efforts to strengthen financial services in rural areas, especially in impoverished areas, and stressed that the goal of developing inclusive finance is to enhance the financial Service Coverage, Availability, Satisfaction. To improve rural financial coverage, available