我国农村的地域分布面积广、人口集中度低,因此大多数现代金融服务机构受分支运营成本的限制,不能实现直接在农村提供服务。从经济学角度来看,当金融服务的使用成本大于使用收益时,刚性以外的金融服务消费需求就会降低,而需求的不足又会反过来抑制相关金融服务的投入,周而复始,农村金融就陷入了一个负向的螺旋式发展模式。农村金融服务,始终是制约我国农村经济快速发展的瓶颈。但是如果 Since the rural areas in our country have a large area and a low population concentration, most modern financial service institutions are limited by the operating costs of branches and can not provide services directly to rural areas. From an economic point of view, when the cost of using financial services is greater than the use proceeds, the demand for financial services other than rigidity will decrease, and the lack of demand will in turn curb the investment in relevant financial services. Afterwards, rural finance will fall into A negative spiral of development. Rural financial services have always been the bottleneck restricting the rapid development of China’s rural economy. but if