创新农村金融产品 助推新农村建设

Innovation of Rural Financial Products to Boost the New Rural Construction

农村金融产品创新对新农村建设具有重要的意义。现阶段农村金融产品创新由于人们认识不足、体制弊端、金融产品结构不完善、诚信缺乏、金融监管不严等原因,造成了农村金融产品单一、灵活性差、不适应新农村建设的发展。为此,各金融机构要改变观念、改善信贷管理体制、培育多元化的农村金融产品结构、完善农村信用体系、加强监管。大力创新农村金融产品,包括抵押形式创新、担保机制创新、风险机制创新、保证贷款创新、信用贷款创新等。

It is very important to innovat financial products in the country for the instruction of the new country. In a present period, there are some reasons for the innovation. For instance, the people＇s deficient recognition, the defect of the system, the structure of the financial is not perfect, the lack of honesty, the week of financials management and so on, which result in the rare kind of financial products, the weakness of flexibility, and not fit for the development of new village foundation. So that every financial institution should change the idea, improve the credit management systems, foster the muhifarious financial product＇s structure, perfect the country＇s credit system, and strengthen the financial regulation and so on. Vigorously innovate the new country of financial products, including the innovation of the mortgage forms, the innvation of guaranteed systems, the creation of the risk systems , the innovation of guaran- teed loans systems, and the credit systems.