我国农业和农村发展需要金融部门的进一步支持,但是加强金融支农要用企业和市场的原则来处理金融机构和金融领域的问题。在市场化改革方面,农村金融改革取得的进展仍然不够,农民和乡镇企业的金融需求仍然不能得到充分满足．农村金融机构特别是农信社本身的生存和发展甚至面临严峻挑战。 The development of agriculture and rural areas in our country needs further support from the financial sector, but strengthening the financial support for agriculture requires using the principles of enterprises and markets to deal with the problems of financial institutions and the financial sector. In the market-oriented reform, the progress made in rural financial reform is still not enough, and the financial needs of farmers and township and village enterprises still can not be fully met. The survival and development of rural financial institutions, especially RCCs, are even facing serious challenges.