农村合作金融是普惠金融的重要实现形式,也是国家乡村振兴战略的重要内容。《山东省现代金融产业发展规划(2018~2022年)》提出:“稳步扩大新型农村合作金融试点规模,鼓励基层在风险可控的前提下,探索创新信用互助模式,争取到2022年年底,信用互助业务累计发生额突破5亿元。”作为全国首个新型农村合作金融试点省份,山东省已经在新型农村合作金融实践中积累了宝贵经验,因此无论是在政策方面还是区位条件,山东都拥有明显的先发优势。截至2018年末,全省共有118个县(市、区)的460家农民专业合作社开展信用互助业务试点,比年初增加63家,县(市、区)覆盖率高达86。13%。
<<Rural cooperative finance is an important realization form of inclusive finance and a significant part of the national rural revitalization strategy. “Development Plan of Modern Financial Industry in Shandong Province (2018-2022)” proposes:“Steadily expand the scale of new rural cooperative finance pilot,encourage the grassroots to explore and innovate credit mutual assistance mode under the premise of risk controllable,and strive to achieve a cumulative amount of credit mutual assistance business exceeding 500 million by the end of 2022.” As the first pilot province for new rural cooperative finance in the country,Shandong Province has accumulated valuable experience in the new rural cooperative financial practice. Therefore,Shandong has obvious first-mover advantage in terms of policy and location. By the end of 2018,a total of 460 farmer professional cooperatives in 118 counties (cities,districts) had piloted credit mutual assistance business,an increase of 63 from the beginning of the year,and the coverage rate of counties (cities,districts) was as high as 86.13%.
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