农村金融产品创新的驱动因素与风险交易机制分析

Analysis on the Driving Factors and Risk Trading Mechanism of Rural Financial Product Innovation

金融产品的创新对于提升服务效率,提高农村金融机构盈利能力具有重要作用。本文以制度经济学理论为分析手段,从内部驱动机制及外部驱动机制层面对农村金融产品创新的驱动因素进行分析,并探寻了农村金融产品创新中的风险交易机制,以期寻求合理的风险-收益的配比和风险转嫁形式,为加快农村金融产品的创新提供理论支撑。

The innovation of financial products is very important to improve the service efficiency andimprove the profitability of rural financial institutions. Based on the theory of institutional economics,this paperanalyzes the driving factors of rural financial product innovation in the face of the internal driving mechanismand the externaldriving mechanism,andexplores the risk trading mechanism in the innovation of rural financialproducts,in order to seek a reasonable risk-income ratio and risk shift form,to provide theoreticalsupport to accelerate the innovation of rural financial products.