如果说农村是梦想的沃土,那么金融正是其源头活水。一直以来,农村金融是我国金融体系最为薄弱的环节。我国农村人口众多、市场广阔,是金融覆盖的“半荒地”。这里对资金的需求旺盛,却面临供给不足;对发展的渴望强烈,却出现了经济“空心化”。金融作为实体经济的血管,对农村地区的供血明显不足。社科院发布的《中国“三农”互联网金融发展报告》指出,自2014年,我国“三农”金融缺口超过3万亿 If the countryside is a fertile land of dreams, then finance is the source of living water. All along, rural finance is the weakest link in China’s financial system. China’s rural population is large, the market is vast, is financially covered “half-wasteland ”. There is a strong demand for capital here, but it faces a shortage of supply. There is a strong desire for development but an economic “hollowness.” As the blood vessel of the real economy, finance is obviously insufficient for the supply of blood in rural areas. The “China ” Sannong “Internet Financial Development Report” released by the Chinese Academy of Social Sciences pointed out that since 2014, the financial gap in China’s “agriculture, rural areas and farmers ” exceeded 3 trillion