摘要农商银行农村普惠金融发展与再创新研究摘要普惠金融的本质是使所有经济主体在平等的基础上享受到丰富、优质、便捷的金融服务，使所有经济主体都能满足其对金融服务的合理需求。农村普惠金融体系建设是当前农村金融改革的关键环节。本文分析了中国普惠金融体系和我国农村金融发展现状。在此基础上，以江苏宜兴市为例，研究了农村普惠金融体系的发展现状和存在的问题。在新常态宏观经济的影响下，只有深入分析当前形势，找出问题所在，找出深层次原因，才能找到解决问题的办法，使普惠金融快速发展，实现再创新。近年来，江苏宜兴响应国家战略，实施农村振兴规划，不断推进农村普惠金融改革的建设和发展。江苏宜兴市农村金融包容性有所提高，但仍存在服务供需失衡、金融体系不完善、功能不全等问题。本文首先介绍了农村普惠金融的概念，然后以农商银行为例，分析了宜兴市金融体系普惠金融的现状，并对全国普惠金融体系的建设进行了一些思考和探索。结合地方普惠金融发展现状，总结了地方普惠金融发展的成果，并对存在的问题进行了深入分析。本文结合我国普惠金融服务的实践和启示，对宜兴市金融体系在当今社会发展普惠金融提出了几点改进和创新性建议：一是构建普惠金融新体系，改革顶层设计；二是完善多层次服务体系，增添金融活力；三是完善金融担保平台，增强风险管控；四是加强政府政策扶持，提供良好环境；五是加大产品创新，做到与时俱进；六是利用互联网大数据，做好风险防控。关键词：农村普惠金融；发展；再创新；AbstractAbstractTheessenceofInclusiveFinanceistoenablealleconomicentitiestoenjoyrich,high-qualityandconvenientfinancialservicesonthebasisofequality,sothatalleconomicentitiescanmeettheirreasonableneedsforfinancialservices.Theconstructionofinclusivefinancialsysteminruralareasisthekeylinkofthecurrentruralfinancialreform.ThispaperanalysesthecurrentsituationofChina'sinclusivefinancialsystemandruralfinancialdevelopment.Onthisbasis,takingYixingCity,JiangsuProvinceasanexample,thispaperstudiesthedevelopmentstatusandexistingproblemsofruralinclusivefinancialsystem.Undertheinfluenceofthenewnormalmacro-economy,onlybythoroughlyanalyzingthecurrentsituation,findingouttheproblems,andfindingoutthedeep-seatedreasons,canwefindsolutionstotheproblems,soastomakeinclusivefinancedeveloprapidlyandachievere-innovation.Inrecentyears,inresponsetothenationalstrategy,JiangsuYixinghasimplementedtheRuralRevitalizationPlanandcontinuouslypromotedtheconstructionanddevelopmentofruralinclusivefinancialreform.TheruralfinancialinclusivenessinYixingCityofJiangsuProvincehasbeenimproved,buttherearestillsomeproblems,suchasunbalancedsupplyanddemandofservices,imperfectfinancialsystemandincompletefunctions.ThispaperfirstintroducestheconceptofInclusiveFinanceinruralareas,thentakestheAgriculturalandCommercialBankasanexampletoanalyzethecurrentsituationofInclusiveFinanceinthefinancialsystemofYixingCity,andmakessomethoughtsandexplorationsontheconstructionofinclusivefinancialsysteminthewholecountry.Combiningwiththedevelopmentstatusoflocalinclusivefinance,thispapersummarizestheachievementsoflocalInclusiveFinancedevelopment,andmakesanin-depthanalysisoftheexistingproblems.BasedonthepracticeandEnlightenmentofinclusivefinancialservicesinChina,thispaperputsforwardsomeinnovativesuggestionsforthedevelopmentofInclusiveFinanceinthefinancialsystemofYixingCityintoday'ssociety:first,toconstructanewinclusivefinancialsystemandreformthetop-leveldesign;second,toimprovethemulti-levelservicesystemandincreasefinancialvitality;third,toimprovethefinancialguaranteeplatformandenhanceriskcontrol;fourth,tostrengthengovernmentpolicies.Suppo...
