一、引言在过去的十几年中,我国整体经济实力极大增强,国际地位迅速提升,农业经济和农村发展都取得了长足的进步,但是我们也必须清醒地认识到这样一个事实:在我国,农业无利可图,城乡二元分割,农民收入微薄,“三农”问题业已成为我国经济社会健康协调发展的“瓶颈”。切实解决好“三农”问题,是全面建设小康社会、构建社会主义“和谐”社会必须思考、待以解决的重大问题。当前,农业发展所需资金的来源主要是财政支农资金,农业信 I. INTRODUCTION In the past ten years or so, China’s overall economic strength has greatly increased, its international status has rapidly risen, and great progress has been made in agricultural economy and rural development. However, we must also clearly recognize the fact that in our country , Agriculture is unprofitable, urban-rural dualism and peasants’ incomes are modest, and the issue of “agriculture, rural areas and farmers” has become the “bottleneck” of the coordinated development of China’s economy and society. To effectively solve the “three rural issues” issue is a major issue that must be considered and solved in building a well-off society in an all-round way and in building a socialist “harmonious society.” At present, the sources of funds needed for agricultural development are mainly financial support funds for agriculture and agricultural letters