乡村振兴战略背景下农村金融创新研究摘 要自乡村振兴战略提出以来，农村金融需求出现了一系列新的变化，与农村金融新需求相比较，当前我国商业银行不良贷款问题突出，产品与渠道单一，金融科技落后，金融信息支撑手段不足等问题，已经越来越不能适应乡村振兴战略的需要的变化。为了适应乡村振兴战略背景下农村金融新需求，本文从乡村振兴战略政策入手，分析随着农村经济的发展，乡村振兴战略下农村金融需求的新变化；针对现阶段农村金融发展现状，总结出当前农村金融的发展现状和农村金融存在的问题；根据乡村振兴战略背景下农村金融需求新变化和当前农村金融存在的问题，主要分析出农村金融问题解决及创新路径；针对农村金融需求的新变化，农村金融存在的问题以及农村金融问题解决路径不同角度，总结乡村振兴战略下加强农村金融创新的对策；最后对在乡村振兴战略下农村金融创新与农村金融政策的总结。关键词：乡村振兴战略；农村金融；农村金融创新1AbstractSince the rural revitalization strategy was put forward, a series of new changes have taken place in the rural financial demand. Compared with the new rural financial demand, the current problems of non-performing loans in China's commercial banks are prominent, the products and channels are single, the financial technology is backward, and the financial information support means are insufficient. These problems have become increasingly unable to adapt to the changes required by the rural revitalization strategy. In order to meet the new demand of rural finance under the background of rural revitalization strategy, this paper starts with the rural revitalization strategy policy and analyzes the new changes of rural finance demand under the rural revitalization strategy with the development of rural economy. According to the current development situation of rural finance, this paper summarizes the current development situation and existing problems of rural finance. According to the new changes in rural financial demand and the ...
