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世界银行农村金融领域顾问Yaron（1992）等通过对一些发展中国家农村金融机构、农村金融市场的考察分析，并结合前期学者对农村金融的分析和研究，提出了较为全面具体的农村金融市场发展评价标准.

World Bank rural 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, 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 (deposits and loans ratio), 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.

Numerous literature from different aspects of the problem of rural financial effectiveness conducted extensive research, but several of them did not resolve key issues:

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。

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 effects of policies, which necessarily is the study has limitations, you can not complete the determination of financial services is valid. How the "three rural" financial services coverage, welfare and sustainability of three aspects define "rural" financial services effectiveness and discuss the extent of financial supply to meet demand, financial services policy effect that the overall welfare of rural improved, as well as the "three rural" financial services income and other aspects, will be the future research directions.
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