目前，国内外对农村金融的研究不胜枚举，其研究的方面也各有特色，然而从实证分析的角度，对农村金融提出一整套评价指标体系并进行实证分析的著作尚不多见。国外学者如Gurley、Shaw（1955），Goldsmith（1969），McKinnon（1973），King、Levine（1993、1996），从各种角度提出了有关农村金融的评价指标；Arestis、Demetriades及Luintel（2001）则设计出了金融效果分析的指标。
At present, domestic and foreign research on rural finance numerous, their research also have their own characteristics, but from the perspective of empirical analysis of rural finance a comprehensive set of evaluation index system and empirical analysis of the writings still rare. Foreign scholars such as Gurley, Shaw (1955), Goldsmith (1969), McKinnon (1973), King, Levine (1993,1996), made from a variety of perspectives on rural financial evaluation; Arestis, Demetriades and Luintel (2001) the design of the financial effect of the indicators analyzed.
World Bank rural http://www.51lunwen.org/lxsbylw/ finance adviser Yaron (1992) and so on through a number of financial institutions in rural areas of developing countries, the rural financial market investigation and analysis, combined with the early scholars of rural financial analysis and research, the more specific and comprehensive development of rural financial markets evaluation criteria, including two aspects: on the one hand, the rural financial market's contribution to economic development, including the contribution to economic growth and equitable contribution to the economy, the main evaluation indicators include deposit and loan spreads, interest rates and loan growth changes, particularly to the economically backward areas, poverty levels increased loan amount changes, etc.; the other hand, rural financial markets and financial institutions, self-interest and sustainability, including financial self-raising, business continuity, etc. , the main evaluation indicators, including the ability to mobilize savings (deposit and lending rate), capital gains rate, the loan recovery rate, dependence on subsidies and so on.Chinese scholars on the development of rural finance related evaluation is based mainly on foreign financial and rural finance evaluation studies concentrated on the development of China's rural formal financial evaluation, which is China's rural financial development is also consistent with the actual situation, as opposed to the rural informal Finance, China's private finance (ie, non-formal financial) development is always in the gray phase (Zhu Delin, etc.), and private finance has yet to be officially recognized is not under its control and supervision. Thus, the domestic scholars from rural formal financial perspective to evaluate and measure the level of development of rural finance. As Zhou Li (2002) on China's rural finance-related rate of an empirical study, Qiu Huan wide (2003) proposed a measure of China's rural financial risk index system, ZHANG Chu foundation et al (2004) proposed rural cooperative financial institutions risk assessment system , Yao Yaojun (2005) from the financial markets, institutions, quality and other aspects of China's rural financial perspective of the development were evaluated, Xie Ping (2006) and put forward the reform of rural credit cooperatives in the performance evaluation system.
一是农村金融有效性概念。目前，我国学者对于金融政策和金融服务有效性的研究不多，主要集中于货币政策和财政政策的有效性方面，而农村金融有效性的研究则更少，且并没有对金融政策或金融服务的有效性概念提出明确的界定。从现有的研究中可以看出，学者们大多通过政策效果方面衡量政策有效性，这必然是研究具有局限性，不能完整的判定金融服务是否有效
Numerous literature from different aspects of the problem of rural financial effectiveness conducted extensive research, but several of them did not resolve key issues:
First, the validity of the concept of rural finance. At present, China scholars effectiveness of monetary policy and financial services little research focuses on monetary policy and fiscal policy effectiveness, and the effectiveness of rural finance research and even less, and has no effect on monetary policy or financial services the validity of the concept put forward clearly defined. From the existing research can be seen, scholars mostly through policy effectiveness measured in terms of the
