在农业产业化步伐加快的背景下,我国农村现实金融需求出现结构性转型,本文立足于江西赣州15个县的实证分析,采取聚类分析方法,对新背景下的农村金融现实需求进行剖析和分层,并据此提出更具针对性和有效性的农村金融创新和信贷瞄准机制的思路。 Under the background of accelerating industrialization of agriculture, the real financial needs of our country’s rural areas have undergone a structural transformation. Based on the empirical analysis of 15 counties in Ganzhou, Jiangxi Province, this paper adopts cluster analysis to analyze the actual needs of rural finance in the new context. Stratification, and put forward the idea of ​​a more targeted and effective rural financial innovation and credit targeting mechanism accordingly.