随着农村经济的发展以及金融环境的完善，农村合作金融不断的产生，这也是 适应农村发展的一种新型合作金融方式，不仅仅能够促进农村经济的良好发展，而 且还能够带动金融更广范围的拓展业务，符合国家政策支持，帮助农业发展，促进 国民经济更好更快的增长。随着互联网的运用与金融科技的发展，农村合作金融的 形式也是越来越丰富。在国家政策放宽金融行业对农村市场的准入之后，新型农村 合作金融发展进一步深化，在农村地区有着非常好的推广策略与宣传途径，带动农 村地区快速的发展与进步，同时，也能够促进新型农村合作金融更好的改进与提升。 2015 年 1 月，经国务院批准，山东省在全国率先开展了新型农村合作金融试点工作， 其中枣庄市被省政府确定为信用互助业务重点试点城市，通过把农民零散的余钱集 中起来，在农村合作社成立“信用互助部”，定向帮扶农民生产，有效破解了农村因 缺少担保、小额分散而导致贷款难的局面。 本文在综合运用农业信贷补贴理论与不完全竞争市场理论的基础上，借助文献 综述与案例研究的方法探究枣庄市新型农村合作金融的发展问题。首先，对国内外 关于农村合作金融相关研究成果做了详细的文献综述，发现国内尚未形成农村合作 金融体系，对创新型的农村合作金融实践案例研究较少；其次，本文以枣庄农村合 作金融为具体案例，从新型农村合作金融的基本要求、准入条件、社员管理、外部 监督方面介绍枣庄新型农村合作金融的基本现状，并介绍了枣庄农村合作金融的具 体模式与取得的良好成效；再次，文章结合枣庄农村合作金融发展的实际，进一步 发现枣庄新型农村合作金融目前存在着可持续性发展、资金供求不对称、政策制度 和发展环境不健全以及金融风险管控缺失等问题，同时，本文针对枣庄目前存在的 问题并进行了相应的原因分析；最后，本文结合前文的理论阐述与案例分析结果， 从加强农村合作金融持续发展、积极探索实行入股资金实缴制、优化农村合作金融 环境、完善农村合作金融风险防范机制等方面来提升枣庄新型农村合作金融的持续 健康发展，并对未来我国农村新型合作金融的未来发展进行展望。 关键词：枣庄；新型农村合作金融；信用互助II ABSTRACT With the development of rural economy and the improvement of the financial environment, the rural cooperative finance continuously, which is adapted to rural development way of a new type of cooperative finance, not only can promote the sound development of rural economy, but also can drive the financial a wide range of business, in line with national policy support, help agricultural development, promote the growth of national economy better and faster. With the use of the Internet and the development of financial technology, the form of rural cooperative finance is more and more abundant. After the national policy relaxed the access of financial industry to rural market, the development of new rural cooperative finance is further deepened. There are very good promotion strategies and publicity channels in rural areas to drive the rapid development and progress of rural areas. Meanwhile, it can also promote the improvement and improvement of new rural cooperative finance. In January 2015, approved by the state council, in Shandong province in the country take the lead to carry out the pilot work, a new type of rural cooperative finance of Zaozhuang is pilot city, the provincial government identified as credit mutual business priorities by farmers, the scattered money together, after the establishment of rural credit cooperatives, directional helping farmers produce, effectively cracked due to the lack of security in rural areas, the situation of the distributed small loans difficult. Based on the comprehensive application of agricultural credit subsidy theory and imperfect competition market theory, this paper explores the development of new rural cooperative finance in Zaozhuang city by means of literature review and case study. Firstly, a detailed literature review is made on the research results of rural cooperative finance at home and abroad. It is found that the rural cooperative finance system has not been formed in China and there are few practical case studies on innovative rural cooperative finance. Secondly, taking Zaozhuang rural cooperative finance as a specific case, this paper introduces the basic status quo of the new rural cooperative finance in Zaozhuang from the aspects of the basic requirements, access conditions, membership management and external supervision of the new rural cooperative finance, and introduces the specific mode and good results of the rural cooperative finance in Zaozhuang. Again, combining the reality of Zaozhuang rural cooperative financial development, and further find a new type of rural cooperative financial Zaozhuang atIII present, there is a sustainable development, the asymmetric capital supply and demand, policy, system and development environment is not sound, and such problems as lack of financial risk control, at the same time, aiming at the existing problems and the corresponding Zaozhuang reason analysis; Finally, based on the above theory and case analysis, from the strengthening of rural cooperative financial sustainable development, actively explore a contribution money paid in system, optimize the environment of rural cooperative finance, perfect the rural cooperative financial risk prevention mechanism, to promote the sustained and healthy development of the new type of rural cooperative finance, Zaozhuang and for the future of the new rural cooperative finance in our country future development prospects. KEYWORDS: Zaozhuang city; The new type of rural cooperative finance; Credit and mutual assistanceIV 目 录 第一章 绪论...................................................................................................1 第一节 研究背景与意义................................................................................................... 1 一、研究背景................................................................................................................ 1 二、研究意义................................................................................................................ 2 第二节 研究思路与方法................................................................................................... 3 一、研究思路................................................................................................................ 3 二、研究方法................................................................................................................ 3 第三节 创新之处与不足................................................................................................... 4 第二章 理论基础与研究综述.......................................................................5 第一节 概念界定............................................................................................................... 5 一、农村合作金融........................................................................................................ 5 二、新型农村合作金融................................................................................................ 6 三、信用互助................................................................................................................ 6 第二节 理论基础............................................................................................................... 6 一、农业信贷补贴理论................................................................................................ 7 二、合作金融理论........................................................................................................ 7 三、不完全竞争市场理论............................................................................................ 8 第三节 研究现状与综述................................................................................................... 9 一、境外研究现状........................................................................................................ 9 二、国内研究现状...................................................................................................... 10 三、文献述评.............................................................................................................. 12 第三章 枣庄新型农村合作金融试点案例介绍.........................................12 第一节 农村信用互助业务发展情况...............................