同时，区位禀赋约束、国家和地方对金融的控制以及西部农业的弱质性则构成了西部农村金融制度变迁的制约因素。
At the same time, regional endowment restraint, government control on finance and the fragility of west agriculture make up the restrictive factors on change of the west rural financial system.
中国农业银行作为我国农村金融体系的主体，其风险表现更为突出。
The Agricultural Bank of China (ABC) plays the part of the main body of Chinese rural finance system and its risks are more prominent.
农村金融难题主要体现在两个方面，一个是农户的信贷难题，另一个则是农业保险问题。
There are two puzzles in rural finance. One is that farmers are difficult to get enough credit from the financial institutions, and the other is agricultural insurance problem.
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