金融服务乡村振兴发展研究–以贵州农村信用社为例

金融服务乡村振兴发展研究-一以贵州农村信用社为例专业：学号：学生：指导教师：摘要：乡村振兴战略意义重大，它在乡村经济发展方面有促进作用，还可以帮助乡村民众享受更高水平的生活，有助于拉近城乡距离。而金融作为经济发展核心元素尤为重要，近年来国家乡村振兴战略的推行，也促动着各金融机构设计适宜产品和出台相关政策来服务乡村振兴。本文通过选择贵州农村信用社为例进行分析，总结贵州农村信用社在乡村振兴过程中的发展情况，分析贵州农村信用社在此过程中遇到的问题，比如说产品设计偏离实际、农村金融风险防范机制欠缺，金融惠农较弱、金融基础设施建设总体滞后、金融科技推广不力，从而提出促进贵州农村信用社服务乡村振兴的发展建议。关键词：金融服务：乡村振兴：农村信用社Abstract:The Rural Revitalization Strategy is of great significance.Itcan not only promote rural economy,but also help rural people enjoy ahigher standard of living,helping narrow the distance between urban andrural areas.As the core element of economic development,finance isparticularly important.In recent years,the implementation of theNational Rural Revitalization Strategy has also prompted financialinstitutions to design appropriate products and introduce relevantpolicies to serve rural revitalization.Taking Huian rural creditcooperatives as an example,this paper summarizes the development of Huianrural credit cooperatives in the process of rural revitalization,andanalyzes the problems encountered by Huian rural credit cooperatives inthis process,such as deviation of product design from reality,lack ofrural financial risk prevention mechanism,weak financial benefit tofarmers,overall lag of financial infrastructure construction,and weakpromotion of financial science and technology,So as to put forward thedevelopment suggestions to promote the rural credit cooperatives inHui'an County to serve the Rural Revitalization.Key words:financial services;rural vitalization rural credit cooperativ目录一、引言6一、相关概念界定7(一）乡村振兴战略.7(二)金融支持….7二、贵州农村信用社支持乡村振兴现状.7(一)农村支付结算….7(二）农业信贷支持.8(三)三农渠道建设…9(四）农户数据库.9三、贵州农村信用社支持乡村振兴发展中存在的问题11(一）产品设计偏离实际1们(二)农村金融风险较高…11(三)金融基础设施建设总体滞后.11(四)金融科技推广不力12四、贵州农村信用社支持乡村振兴的发展建议…12(一)研发创新乡村特色金融服务产品.12(二)加强金融风险管理…131、加强金融改革，防范金融风险132、提升农户金融素养，提高金融服务效率，133、加大金融风险防范力度.13(三)完善金融基础设施…14(四)加强科技金融合作与创新14结语….15参考文献…15致谢16