农村金融发展是农村经济增长的基础。采用 VAR 模型的实证方法，根据江苏省1997年-2013年的数据进行农村金融相关率与农村GDP 的实证研究。江苏省农村金融发展与农村经济增长之间存在着长期稳定的均衡关系，农村金融的快速发展对于农村经济的增长具有正向作用，而农村经济增长对农村金融发展的促进作用是微小的。应当把握农村经济发展大局，营造良好的农村金融环境，服务农村实体经济；规范农村非正规金融，引导其为农村实体经济服务；加强农村金融机构建设，改善融资环境，创新融资形式，拓展农村金融机构服务范围；出台扶持性政策，缓解农村贷款难问题，让金融市场在资金配置中起决定性作用。%Rural finance development has been a major driving force and foundation for economic growth in rural areas,it has significant meaning for the development of rural areas. We use VAR model to examine the relationship between the rural financial interrelation ratio and GDP of rural areas based on the data which col-lected by the Jiangsu government from 1997 to 2013. There is a long-term stable equilibrium relationship be-tween rural financial development and economic growth in Jiangsu Province, the rapid development of rural fi-nance plays a positive role in promoting rural economy, however, the rural economic growth has less promotion effect on rural financial development. First, we should grasp the overall situation of rural economic develop-ment, and create a good financial environment in rural areas, serve the rural real economy; second, we also need to set regulations for rural informal finance, guide them to serve the rural real economy;third, the govern-ment need to strengthen the construction of rural financial institutions, improve the financing environment, in-novative forms of financing to expand the scope of services in rural financial institutions;last but not least, the government should set supportive policies to alleviate the problem of rural credit, let the financial markets play a decisive role in allocation of funds.
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