基于乡村振兴战略的农村金融创新

Discussion on Rural Financial Innovation Based on the Implementation of Rural Revitalization Strategy

乡村振兴战略是解决中国“三农”问题的重要举措,是解决中国经济社会发展不平衡问题的关键,进而有助于新时期中国社会主要矛盾的解决。在乡村振兴战略实施推进中,农村金融体系的不断创新,是中国在农村领域构建现代化经济体系的关键,也是解决“三农”问题的重要环节。中国现阶段的农村金融体系主要存在着农村信贷结构性失衡、农村金融工具创新不足、农村合作金融与政策性金融发展滞后、农业保险业务亟待拓展等问题。中国农村金融体系应面向新型农业经营主体进行农村信贷政策创新,积极推进农村金融工具创新,推动合作金融与政策性金融的模式创新,全面推进农业保险业务创新。

The strategy of rural revitalization is an Important measure to solve the problems of agriculture,rural areas and farmers in China,and the key to solving the imbalance of China s economic and social development,thus,which will help to solve the major contradictions in Chinese society in the new period.During the implementation of the strategy of rural revitalization the continuous innovation of rural financial system is the key to the construction of modern economic system in rural areas in China,and also an important link to solve the problems of agriculture,rural areas and farmers.At present the rural financial system in China has some problems such as the structural imbalance of rural credit,the insufficient innovation of rural financial instruments,the inadequate development of rural cooperative finance and policy finance,and the urgent need for extension of agricultural insurance business.We should carry on the innovation of the rural credit policy for the new agricultural management subject,actively promote the innovation of the rural financial instruments,and promote the mode innovation of cooperative finance and policy-oriented finance,comprehensively promote innovation in agricultural insurance business.