随着普惠金融理念的推进,小额信贷得到迅速发展.小额信贷的贷款主体是小微企业和贫困农民,贷款基本直接与实际民生相关,并非奢侈性消费,所以尽管额度小,但其所创造价值的边际收益高.文章基于我国农村金融服务的基本现状,介绍了国际上农村金融服务创新的经验,分析我国当前传统农村金融服务的局限性,提出依托电子银行为农村金融注入新动力;通过"云数据"完善农村信用评级系统;推进互联网金融发展,提高农村金融覆盖率,降低交易成本;健全农村金融风险分担机制;加快农村信贷产品创新步伐等建议.%With the advance of the concept of inclusive finance,micro-finance has been developing rapidly.The micro-finance's loan main body is small and micro businesses owners and poor farmers;the loans are directly related to the actual people's livelihood,not to luxury consumption.Although its amount is small,they have created high marginal returns.Based on the present situation of rural financial services in China,this paper introduces the international experience of rural financial service innovation and analysis of China's current limitations of traditional financial services in rural areas.Then this paper puts forward the following suggestions:relying on the electronic bank,the new momentum of rural finance should be injected;through the "cloud data" perfect the rural credit rating system;promote the development of Internet financial,improve rural financial coverage rate,and reduce transaction costs;improve the rural financial risk sharing mechanism;and accelerate the pace of rural credit product innovation,and so on.
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