3、金融发展，实现了城乡一体普惠便民的农村金融服务，为破解我国农村经济发展中的金融瓶颈提供了较好的借鉴。这个模式具有较强的制度特征和内在逻辑性，社会信用是信贷创新的基础，信贷交易需要支付工具来实现，三者是互为动力的有机整体。 关键词：金融制度；信用体系；信贷体系；支付体系 Abstract：By constructing its rural social credit system，rural credit service system and rural payment system，which is also called the financi
4、al troika，Shouguang has greatly promoted its rural financial recreations，facilitated its rural financial development and realized citywide rural financial service. With the analysis of its practice，we can draw on its experience to solve rural financial problems during rural eco
5、nomic development nationwide. The troika has an obvious systematic feature and inherent logic-social credit system is the foundation of credit recreations，credit business needs payment tools to realized，the three of them is an organic whole. Key Words：financial system，social c
6、redit system，credit system，payment system 1674-2265（2012）12-0047-05 2008年10月，《中共中央关于推进农村改革发展若干重大理由的决定》明确提出，要建立现代农村金融制度，制度作为农村金融发展的核心理由逐渐得到各界的认可。建立适应农村市场经济发展需要的现代农村金融制度已成为我国农村金融体制改革的必定要求。实际上，通过完善农村金融制度，推动农村金融发展在许多地方已取得了较好的效果，山东省寿光市即是其中的典型代表。十几年来，在当地人民银行、金融机构及政府部门的共同努力下，形成了良好的农
