发展普惠金融，助力乡村振兴——以重庆市为例

Developing Inclusive Finance and Promoting Rural Revitalization—Taking Chongqing as an Example

摘要: 发展普惠金融是助力乡村振兴的重要路径。最近几年我国普惠金融的发展取得了非常重要的成就。然而，金融发展体系中最薄弱的环节依然是农村金融。因此，要实现乡村振兴，全面建成小康社会，迫切需要充分发挥普惠金融的作用。本文以重庆市为例，旨在探讨如何发展普惠金融来助力乡村振兴。论文分析了重庆市普惠金融的发展现状、取得的成就及存在的问题，并从五个方面对普惠金融如何更好助力乡村振兴提出相关政策建议：做好普惠信贷服务、创新农村金融产品、扩大普惠保险险种覆盖面并完善风险分担机制、健全普惠金融信用体系与完善农村信用体系建设、积极发挥政府财税与货币政策作用。

Abstract: The inclusive finance is very important to rural revitalization. In recent years, it has been implemented well and got a tremendous achievement in China. However, the weakest link in the financial development system is still the rural finance. Therefore, it is so urgent to explore the inclusive finance in rural area in order to revitalize rural place and build a moderately prosperous society. In this paper, we take Chongqing as an example, to show how to develop the inclusive finance to help rural revitalization, by the analysis of the current development of inclusive finance in Chongqing, its achievements, existing problems of the inclusive finance’s implementation, as well as the policy suggestions from five aspects on how inclusive finance can be better developed to help rural revitalization: following-up service for rural inclusive finance, financial product innovation, insurance coverage enlarging and risk assignment mechanism building up, inclusive financial credit system modification and rural credit system building up, and positive fiscal and monetary policies support.