目前,各地农村金融机构设置看似完善,实际上由于农村金融市场“高风险、低收益”的固有缺陷,农村金融市场发展缓慢,还远远不能满足农村的金融需求。农村金融市场的缺陷突出表现在农户和小微企业等弱势群体的小额贷款需求不能得到有效的满足。本文试 At present, the establishment of rural financial institutions in various places appears to be perfect. In fact, because of the inherent defects of rural financial market “high-risk and low-yield ”, the rural financial market is developing slowly and far from meeting the financial needs in rural areas. The flaws in rural financial markets are highlighted by the fact that the demand for microfinance for vulnerable groups such as farmers and small and micro enterprises can not be effectively met. This article test