农村金融是现代农村经济的核心,是解决“三农”问题的一把钥匙,更是银行业下一步发展的新方向和新空间。在金融生态良好的农村地区,金融机构可以简单地将在城市奏效的经营模式和管理经验移植过来,不用担心在当地“水土不服”。但在基础比较差的地区,由于金融机构难以复制成功经验,实现财务可持续基本无望,自然对在贫困地区开展业务心灰意冷。鉴于贫困地区的既有条件限制了其改革和发展,农村金融发展的路径依赖特征比较明显,改革不可能一蹴而就,因此,必须通过渐进的制度创新积累改革能 Rural finance is the core of a modern rural economy and a key to solving the “three rural issues.” It is also a new direction and a new space for the further development of the banking sector. In financially sound rural areas, financial institutions can simply transplant the business model and management experience that worked in urban areas without worrying about being “acclimatized” locally. However, in areas with relatively poor foundation, it is natural for the financial institutions to be frustrated in their business operations in poor areas due to the inability to replicate successful experiences and the basically hopeless financial sustainability. In view of the existing conditions in impoverished areas which have limited their reform and development, the path-dependent nature of rural financial development is more obvious and reforms can not be accomplished overnight. Therefore, we must accumulate reform through gradual system innovation