党的十九大提出乡村振兴战略以来，我国把农村工作摆在了突出位置，发展农村金融成为了金融业越发重要的工作。2015年，国务院发布了《推进普惠金融发展规划（2016—2020年）》，将推进普惠金融上升到国家发展战略，两大国家战略交织，把工作重心聚焦到农村普惠金融。大量研究表明，发展普惠金融有助于当地发展经济、缓解贫困和改善民生。随着我国改革开放和城市化进程的深入推进，农村地区经济结构和产业模式已发生了深刻的变化，过去以政府扶持性手段为主的普惠金融发展方式已出现明显弊端。当前我国县域仍面临城乡发展不平衡、产业体系不完整和基础设施落后等问题，为实现乡村振兴战略目标，发展壮大县域农村经济，提高人民生活水平，探索出在新时期下我国农村普惠金融发展的长效机制已十分必要。本文研究的主要内容如下。首先，通过整理总结国内外关于普惠金融发展的相关理论研究，归纳出有助于文本研究的理论依据和分析方法。从政府扶持、产业发展、金融机构不同的角度分析了助推普惠金融发展的影响因素。其次，分析了剑阁县在近年来普惠金融的实践经验，通过构建普惠金融评价指标体，实证了近年来剑阁县普惠金融发展指数平均数为0.3078，虽已达到中等发展水平，但基础仍不牢固。最后，通过收集资料对首个国家级普惠金融改革试验区河南省兰考县的发展模式进行评价，总结出其在制度搭建、数字普惠、小额信贷、风险管控等方面的创新点，找到对剑阁县做好普惠金融的借鉴意义，并提出相关政策建议，希望能为我国在乡村振兴背景下做好普惠金融提供可参考、可借鉴的经验。

Since the 19th National Congress of the Communist Party of China put forward the Rural Revitalization Strategy, China has put rural work in a prominent position, and the development of rural finance has become a more and more important work in the financial industry. In 2015, the State Council issued the development plan for promoting Inclusive Finance (2016-2020), which will promote inclusive finance to rise to the national development strategy. The two national strategies are intertwined and focus on rural Inclusive Finance. A large number of studies have shown that the development of Inclusive Finance is conducive to local economic development, poverty alleviation and people's livelihood. With the deepening of China's reform and opening up and urbanization, profound changes have taken place in the economic structure and industrial model in rural areas. The inclusive financial development mode dominated by government support in the past has obvious disadvantages. At present, China's counties are still facing problems such as unbalanced urban and rural development, incomplete industrial system and backward infrastructure. In order to achieve the strategic goal of rural revitalization, develop and expand the county rural economy and improve people's living standards, it is very necessary to explore the long-term mechanism for the development of rural Inclusive Finance in the new era.The main contents of this paper are as follows. Firstly, by sorting out and summarizing the relevant theoretical research on the development of Inclusive Finance at home and abroad, this paper summarizes the theoretical basis and analysis methods conducive to the text research. This paper analyzes the influencing factors of promoting the development of Inclusive Finance from the perspectives of government support, industrial development and financial institutions. Secondly, it analyzes the practical experience of Inclusive Finance in Jiange County in recent years. By constructing the inclusive finance evaluation index body, it demonstrates that the average Inclusive Finance Development Index in Jiange County in recent years is 0.3078. Although it has reached the medium development level, the foundation is still not solid. Finally, by collecting data, this paper evaluates the development model of Lankao County, Henan Province, the first national inclusive finance reform pilot area, summarizes its innovations in system construction, digital Inclusive Finance, microfinance and risk control, and finds out the reference significance for Jiange county to do Inclusive Finance well, And put forward relevant policy suggestions, hoping to provide reference and reference experience for China to do a good job in Inclusive Finance under the background of Rural Revitalization.

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