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r improved, the limited capacity of rural financial institutions and other financial repression agriculture issues, remains a constraint on agricultural restructuring, rural development and farmers' income, and further enhance the "three rural" financial services have become to solve the "three farmers' issues an urgent requirement.
Therefore, in the financial services "three rural" in practice, it is necessary to further clarify the sustainable development of rural formal financial metrics to facilitate management authorities, local government and rural financial institutions in the "rural financial services are effective, how to determine the rural financial service is active "form a consensus on this issue, and this is further reform of rural finance development of the basic premise. In this context, this paper will be the theme of rural finance, rural finance theory research, the relationship between finance and economic growth, China's "three rural" model of financial services and financial policies and the effectiveness of financial services, Evaluation of five rural finance, in accordance with the development of literature review and logical relations context, the effectiveness of the relevant rural finance research results at home and abroad were summarized and generalization of China through financial channels to solve the "three rural" issue has theoretical significance.

Second, on the rural financial theory
Rural financial sector is one that deserves careful study. • famous economist Gunnar Myrdal pointed out: the level of long-term economic success depends on the agricultural sector. Agriculture, farmers and rural issues so-called "three rural" issue, a fundamental impact on China's social and economic stability and development and modernization process. Allocation of resources to solve the problem is to solve the "three rural" issue key, the rural financial system in rural economic development of the most important elements of capital allocation system. Rural Finance particularity and complexity of the problem, not only from agriculture and the rural economy, "congenital deficiency" (inferiority), and derived from the rural finance including risk, cost and other factors, including endogenous policy and strategy challenges.
20 Before the 1980s, agricultural subsidies credit theory dominates. Credit theoretical support agricultural subsidies supply of credit in advance rural finance strategy that should be at a lower rate for agricultural financing, agriculture and other industries to narrow the income gap. 20 In the late 1980s, the rise of the rural financial market theory, become dominant. Rural financial markets in rural areas of the major premise and subsidized credit on the opposite (Zhang Yuan Hung et al, 2002). The theory emphasizes the role of market mechanisms (Rutherford, 1999; Adams, 2002), no need to inject funds to rural areas by the external. The theory emphasizes the interest rate in the market, low interest rate policies that inhibit financial development. After the 1990s, Stieglitz represented on imperfectly competitive markets of rural financial markets gradually replaced. The theory is that: the financial markets of developing countries is not a perfectly competitive market, especially lending party (financial institutions) on the borrower's circumstances can not fully grasp, if compl