摘要 十八大报告把“推动城乡一体化”作为加快完善社会主义市场经济体制和加快转变经济发展方式板块下的独立段落，把农村城镇经济建设提到很重要的高度。提出要将农村作为国家建设和发展的重点，加大强农、惠农、富农政策力度，促进农民增收,保持农村经济发展。当前阻碍农村经济发展的因素有很多，包括产业结构不合理、城乡收入差距等，其中最主要的就是农村金融落后造成的金融抑制。在经济新常态下，我国经济发展模式面临着由注重总量向注重质量的转变，健全农村金融体系,推进农村金融创新是推动农业发展、增加农民增入的主要途径，对解决“三农”问题、促进农业产业结构优化尤为重要。 在这样的背景下,本文通过借鉴其他农业发达国家农村金融创新领域的先进经验,来寻求可以改善农村金融环境、深化创新机制的途径，以期全面建设符合我国国情的农村金融体系，以此来更好地推动农村经济发展。虽然现在国家对农业的补贴力度很大，但是收到的效果却不明显，归根到底是因为滞后的农村金融抑制了农村经济的发展，研究农村金融创新有助于从农村金融的角度发力,促进农村经济发展、破解农村金融滞后于经济发展的难题，通过健全农村金融市场，可以促进我国城乡一体化。发展农村金融,对于缩小城乡差别作用巨大。 本文通过研究后发现， 我国农村金融经过数十年的发展已经取得了很大的成果，农村金融体系已经初步建立，能满足农民的一些基本需要，但其中仍然存在许多问题，例如贷款难，农村金融机构不良贷款率多，现有农村金融服务“不仅落后于城市经济，也落后于农村经济”等，这些问题都需要通过创新去完善。在此基础上， 本文从农村金融制度、机构、服务、产品四个方面提出了创新的建议。 49661
毕业论文关键词：经济新常态；农村金融；制度创新；服务创新；资产证券化
Research on Rural Financial Innovation under the New Economic Norm in China
Abstract The 18th CPC National Congress put forward to promote the integration of urban and rural areas, focus on the development of rural areas, increase farmer ’s income, maintain the economic growth of rural areas as a method of accelerating the improvement of the socialist market economic system and the transformation of the mode of economic development. Great importance has been attached to rural economic construction. There are many factors that hinder the development of rural economy, including the unreasonable industrial structure, the income gap between urban and rural areas, among which the most important is the financial repression caused by the rural financial backwardness. Under the new economic normal , China is dealing with a development mode transformation from the quantity- focus to quality- focus. Establishing a sound rural financial system and promoting rural financial innovation are essential to promote agricultural development, to increase farmer’s income, to solve the ‘Issues of agriculture, farmer and rural area’ and to optimize agricultural industry structure. Under this condition, this paper draws from best practices of rural financial innovation experience of other agriculturally-developed countries, to seek ways to improve rural financial system, deepen the innovation mechanism, so as to promote the development of rural economy. Although the policy subsidies to agriculture is great, but the effect is not obvious, in the final analysis, is the lagged rural financial restrains the development of rural economy. Study the rural financial innovation helps to promote rural economic development financially. The optimization of rural finance plays an important role of narrowing the gap between urban and rural areas. After decades of development, the rural finance system has been initially established. It can now meet some of the farmer ’s basic needs. However, many drawbacks still exist. The current rural financial service ‘not only fall behind the rural economy, but also lags the rural economy’. These problems can only be solved through innovation. On this basis, the paper puts forward suggestions from four aspects, the rural financial system, rural financial institutions, rural financial services, and rural financial products. 经济新常态下我国农村金融创新研究:http://www.youerw.com/jingji/lunwen_52717.html