关键词: 经济发展, 金融创新, 农村

Abstract: Financial innovation can promote economic development from the aspects of transforming economic structure and reducing transaction and risk management expenditure. Using the panel data of China's rural areas from 2008 to 2017， the rural loan conversion rate， rural financial structure， rural financial efficiency and the average GDP of the rural primary industry laboratories were used as indicators to verify the role of rural financial innovation in promoting rural economic development. Based on the predicaments of financial innovations in the current rural economic development， such as systems，markets， services and products， the countermeasures and suggestions for clearing the path of institutional reform， innovating market and service system and credit products are proposed.

Key words: economic development, financial innovation, rural