2016年是“十三五”的开局之年。过去五年,中国经济走过了一段不平凡的发展历程,告别了近40年的高速增长态势,逐渐步入中高速增长的经济新常态,助推经济增长的动力引擎逐步由规模扩张向创新驱动转换。在宏观经济发展方式转变的时代背景下,我国银行业也发生着深刻的变化。“十二五”时期,我国银行业金融机构特别是农村中 2016 is the first year of “Thirteen Five”. Over the past five years, the Chinese economy has gone through an extraordinary course of development. It said goodbye to the rapid growth of nearly 40 years and gradually entered the new normal of rapid economic growth. It has gradually propelled the expansion of the engine of economic growth into innovation Drive conversion. In the era of macroeconomic development, the banking industry in our country has undergone profound changes. During the “Twelfth Five-Year Plan” period, China’s banking financial institutions, especially in rural areas