随着经济的发展,中国的“三农”问题需要解决的核心问题在逐渐转变,很多农民自主创业与投资项目增多,在提高农民收入的同时也为金融行业提出了新的要求——如何利用金融投资帮助农村经济的整体发展,面向农民的农村信用社逐渐转变为股份制农村合作银行。这一金融主体的改变在一定程度上影响了我国一部分地区的“三农”问题格局。本文就从我国“三农”问题对金融行业的需求出发,具体论述如何才能应用财政以及金融手段促进农村经济发展和农民收入的实质提升。 With economic development, the core issues to be solved in China’s “three rural issues” are gradually changing. Many peasants have started their own businesses and increased investment projects, raising new demands for the financial industry while raising their incomes - How to use financial investment to help the overall development of rural economy, the rural credit cooperatives oriented to peasants gradually turned into joint-stock rural cooperative banks. The change in this financial subject has, to a certain extent, affected the “three rural issues” pattern in some parts of the country. This article starts from the demand of financial industry in our country, and discusses how to apply financial and financial means to promote the rural economic development and the substantial increase of farmers’ income.