Study On Rural Financial Product Innovation In The Context Of Urban And Rural Coordination Development In Chang’an District

Some realization ways of the integration of urban and rural development are development of urbanand rural as a whole, which is the fundamental way to solve the problem about "agriculture, rural areas andfarmers". Rural financial product and service innovation is an important focus and the gripper that financesupport the problem about "agriculture, rural areas and farmers". The realistic requirement of urban andrural coordination development is rural financial product innovation and the reality background of that isrural economic and social development in Chang’an District. This article selects typical characteristics ofthe path to balance urban and rural development of Chang ’an District as the study area, research on ruralfinancial product innovation, which is of great theoretical significance and practical significance.At first, this paper expounds domestic and foreign research dynamic of rural financial productinnovation by adopting literature research method. Secondly, this paper expounds the theoreticalfoundation of rural financial product innovation and the development background of urban and rural as awhole by adopting combination methods of theoretical research and qualitative research. Once again, onthe basis of getting first-hand information and data about economic and social development and ruralfinancial product innovation in Chang’an District by utilizing sociology research method, this paperexpounds present situation of rural financial product innovation by adopting quantitative analysis methodand classified and inductive research methods. Finally, by using case analysis research method, this paperresearch on three areas of Chengdu city, Xinyu city, Fujian province, with the same path to balance urbanand rural development and are of rural financial product innovation model, specific innovation models andexperiences from those cases have enlightenment meaning that promote rural financial product innovationin Chang’an Balancing Urban and Rural Demonstration District.In this paper, the basic content and conclusions:One is the theoretical foundation of the rural financial product innovation, which including twoaspects content of financial innovation theory and basic connotation on rural financial product innovation.This paper expounds the theory of financial innovation through interpreting the innovation meaning in thefinancial sector, introducing financial innovation theory and the connotation on financial innovation fromChinese scholars. This essay defines the basic connotation on rural financial product innovation throughdiscussing the concept, the goal, the principle, the evaluation standard and the characteristic of ruralfinancial product innovation.Second is the realistic basis of rural financial product innovation in the context of urban and ruralcoordination development in Chang’an District, which expounding two aspects content of the context ofurban and rural coordination development and the urgency of rural financial product innovation inChang’an balancing urban and rural demonstration District. The implementation approach of developmentintegration pattern about the relationship between urban and rural areas, and realization ways of theintegration of urban and rural development are urban and rural coordination development that are thereality path at rural economic and social development in Chang’an District. Rural financial productinnovation is the realistic requirement of the construction of demonstration area balancing developmenturban and rural as a whole in Chang’an District, the latter also puts forward new requirements on theformer. And the rural financial products demand presents a new trend of change.Three is the development present situation about rural financial product innovation in Chang’anDistrict. Firstly, state the present situation of rural financial product innovation in Chang’an District thatshow on existing wide ranges of innovative main body, which having formed the unique innovation mode,and more rural financial innovation products by rural financial institutions provide. Secondly, analyze themain characteristics of rural financial product innovation in Chang’an District. Finally, put forward theproblems existing rural financial product innovation in Chang’an District.Four is the countermeasures and suggestions to promote rural financial product innovation, whichmainly aim at the existing problems of rural financial product innovation in Chang’an District, on the basisof reference enlightenment meaning from those cases of specific innovation models and experiences,proposing some countermeasures and suggestions. Firstly, sound the innovation capability of ruralfinancial institutions, cultivating the new type of rural financial institutions. Secondly, invest more in ruralfinancial product innovation, meeting the demand of farmers by diversified products. Thirdly, strengthenthe fiscal and taxation policies on the rural innovative products about investment and financing to supportand guide. Fourth, perfect the category of rural innovative products to rich rural financial productinnovation. Finally, market the bank card as carrier service in many more ways.