本文以1978-2013年的中国农村金融运行数据为研究对象，通过构建“农村金融成熟度模型”，来衡量中国改革开放以来中国农村普惠金融发展水平。研究结果表明：1978-2013年中国农村普惠金融发展虽经历波折但整体向好，相比改革初期，21世纪以来农村金融服务各方面都得到明显改善，并且在2007年以后中国农村普惠金融发展迅猛。但是，中国农村普惠金融的发展中存在过度重视农村金融“量”上的积累，而忽视“广度”、“深度”、“效率”等多方面协同发展的问题。鉴于此，本文结合普惠金融理论提出相关建议。%This paper in 1978 - 2013 China's rural financial operation data as the research object, through the construction of the rural ifnancial maturity model to measure since China's reform and opening up China's rural inclusive ifnance development level. The results of the study show that: 1978 - 2013 China inclusive rural ifnancial development despite twists and turns but the overall positive, compared to the initial stage of the reform and opening up, 21st century rural financial service all aspects have been significantly improved and later in 2007 China's rural inclusive finance development rapid. However, the development of Inclusive Finance in rural areas of China has attached great importance to the "quantity" of rural ifnance, while ignoring the problems of "breadth", "depth" and "efifciency" and so on. In view of this, this paper puts forward some relevant suggestions based on Inclusive Finance theory.
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