农村合作金融结构中间业务发展的障碍与对策

Obstacles and Countermeasures of the Intermediate Business Development for the Rural Cooperative Financial Organizations

农村金融市场存在着中间业务的需求,而农村合作金融结构独立开发中间业务存在着人才不足、网络技术落后等诸多能力的障碍与不足。在拥有市场资源优势的基础上,农村合作金融结构可以与大中型银行、保险公司以及基金公司等合作伙伴合作发展中间业务。农村合作金融结构需要把握目标客户的金融需求,熟悉中间业务产品,努力成为农村金融服务专家。

Customers need intermediate business in the rural financial market,while the rural financial cooperative organizations have many capacity barriers and network technology lagging behind for developing intermediate business independently. With the market resource advantage,the financial organizations of rural cooperation can cooperate with large and medium- sized banks,insurance companies,the fund companies and other partners to develop intermediate business. So,the financial cooperative organizations need to understand the target customer＇s needs and the intermediate products,and try to be the rural financial service experts.