摘 要：近年来，随着改革开放的不断深入，我国对新型农村金融机构的发展给予了越来越多的支持和自由，我们可以看到各类新型农村机构在不断进行深化变革，除了传统的农村金融机构包括农村商业银行、农村信用社、农村合作银行之外，村镇银行、资金互助社、小额贷款公司这些新型农村金融机构的迅速发展为社会主义新农村建设注入了新的活力，为构建多层次的金融体系作出了重要的贡献。本文主要是以新型农村金融机构为研究对象，特别是村镇银行、小额贷款公司、农村资金互助社来阐述新型农村机构的数量、业务经营的情况、国家政策、自身发展过程中存在的主要问题等方面来介绍新型农村金融机构的发展概况，并从金融业务产品的外部因素到金融人才、内部管控等的内部因素进行深入分析，找出制约其健康发展的因素，并最终从国家政策、各新型金融机构的内外部监管、整个市场的外部环境、内部管理改善等各个角度提出切实可行的对策方案，从而可以不断创新金融产品和服务，完善金融基础设施建设，努力构建多层次的金融体系，并促进新型农村金融机构的健康发展。

关键词：新型农村金融机构；健康；发展

ABSTRACT：In recent years, with the deepening of the reform and opening up, our country the development of the new rural institutions to give more support and freedom,We can see all kinds of new type rural institutions continue to deepen the reform, in addition to the traditional rural financial institutions including rural commercial Banks, rural credit cooperatives, rural cooperative Banks, rural Banks, capital support, small loans companies, the rapid development of the new type of rural financial institutions, such as to build a new socialist countryside has injected new vitality, has made an important contribution.In this paper, mainly aiming at the new type of rural financial institutions, especially the village Banks, small loan company to illustrate the development of new rural institutions, business operation situation, national policy, their own development aspects to analyze the main problem which restricts the healthy development of the factors,From external factors on financial business products to financial personnel, internal factors such as internal control in-depth analysis, and finally from the government, financial institutions themselves, all aspects of the external environment and internal management to improve the market put forward the feasible countermeasure plan, in order to innovate financial products and services, improve the financial infrastructure construction, efforts to build a multi-level financial system, and promote the healthy development of the new type of rural financial institutions.

Key words: the new type of rural financial institutions; Health; Development