摘要在国内目前的经济发展局势中，金融系统也表现出全新的态势。在新常态下，国内金融会突破大中型公司、高阶层群体对金融服务的垄断，不再只关注金融规模的扩展；而是非常关注发展个人金融、小微金融，为低收入群体、弱势群体服务，关注自身服务质量的提高。这就是普惠金融的重要部分，也是新常态下国内金融体系发展的重要内容。本文主要从传统金融以及互联网金融系统两部分创建农村普惠金融体系，探究优先发展农村互联网金融的理论。另外，以普惠金融对济南的影响威力进行深入分析，表明农村普惠金融体系发展会为国家新型城镇化发展准备强大且稳定的扶持，也可以加快经济结构改善，减少贫富差距，因此具备明显的现实影响。关键词：新常态，农村惠普，金融ABSTRACTInthecountry'scurrenteconomicdevelopmentsituation,thefinancialsystemalsoshowsnewconditions.Undernewordinances,domesticfinancewillbreakthroughthemonopolyofhigh-levelgroupsonlargeandmediumsizedbusinessesandfinancialservices,andwillnolongerfocusontheexpansionofthefinancialscaleandpaycloseattentiontothedevelopmentofpersonalfinance,microfinance,lowincomeandfragilegroups.Servicepayattentiontoimprovingyourownservicequality.Thisisanimportantpartoffinancialfinanceandisanimportantpartofthedevelopmentofdomesticfinancialsystemsundernewlaws.ThispapermainlyexploresthetheoryofcreatingruralcomprehensivefinancialsystemsfromthetwopartsoftraditionalfinanceandtheInternetfinancesystemandgivingprioritytothedevelopmentofruralInternetfinance.Inaddition,adetailedanalysisofthecomprehensivefinancialimpactonJinanshowsthatthedevelopmentofalocalcomprehensivefinancialsystemoffersstrongandstablesupportforthedevelopmentofnewcitizenshipinthecountry.Itcanalsoaccelerateeconomicstructureimprovementandreducethegapbetweenwealthypeopleandpoorpeople.Aclearrealinfluence.Keywords：newnormal,ruralHP,finance目录摘要................................................................IABSTRACT................................................................I一、绪论................................................................1（一）研究背景......................................................1（二）研究现状......................................................11.国内研究现状...................................................12.国外研究现状...................................................2二、新常态下农村普惠金融体系概述........................................3（一）普惠金融的内涵与特点..........................................3（二）新常态下农村普惠金融体系建设的意义............................3三、我国农村金融的现状..................................................4（一）我国农村金融机构的普及率低....................................4（二）我国农村金融机构的地理分布不均衡..............................4四、济南构建金融体系面临的困境..........................................4（一）供给侧需求侧结构不对称........................................4（二）缺乏有效激励约束机制..........................................5（三）风险分担补偿机制亟待完善......................................5（四）普惠金融扶贫生态环境有待优化..................................6（五）扶贫政策和金融政策衔接不到位..................................7五、借助普惠金融构建农村金融体系的对策..................................7（一）共创普惠金融体系..............................................7（二）整合各项资源和力量，增加普惠金融的有效供给....................8（三）创新金融产品和服务,优化普惠金融生态体系.......................8（四）完善相关政策体系...
