Studies On The Finance Product And Service Innovation In Rural Areas Of Tai’an City

In the creation and development of suitable for the actual demand of rural financial products and service mode, innovation and improve the new mechanism of agriculture related financial services, and continuously meet the demand for diversified financial services in rural areas the research background, through to the domestic and foreign research of rural finance theory for reference, the author puts forward the research questions, has been clear about the theoretical basis of rural financial products and service innovation, the motivation of rural financial products and service innovation, innovative ways and channels.Firstly, this paper analyzes the characteristics of rural household, modern agriculture,small and medium enterprises and new rural construction, puts forward the need of new rural construction and urbanization, needs to improve the supply level of rural public goods, need to increase the supply of rural financial demand, which is trying to find the financial demand characteristics and special laws. Rural financial products and services are not related to the problem of rural financial products and services innovation. Rural financial products and services innovation. Rural financial products and services are innovative. The thesis that, in rural financial products and services innovation. The thesis has suggested that, with the expected benefits of rural financial products and services innovation. The thesis has suggested that, with the expected benefits of rural financial products and services innovation.The thesis has suggested that, with the expected benefits of innovation. The thesis has suggested that, with the expected benefits of rural financial products and services innovation.The thesis has suggested that, with the expected benefits of innovation. The thesis has suggested that, with the expected benefits. The thesis that, in terms of the expected benefits.The thesis that, with the expected benefits of rural financial products and service innovation,has suggested that, as expected, and has analyzed the financial product and service innovation. The thesis has suggested that, with the expected benefits. The thesis that, with the expected benefits. The thesis that, with the expected benefits. The thesis that, with the expected benefits. The thesis that, with the expected benefits. The thesis that, with the expected benefits. The thesis that, with the expected benefits. The thesis that, with the expected benefits. The thesis that, with the expectation that the expected benefits are that, as expected, and that, as far as the thesis that is that, in terms of financial products and service innovation, is that, in terms of the.From the process of credit transaction, the reasons for the high cost of rural credit transaction are discussed, and the conclusion is that the reduction of transaction cost is the reason of the rural financial products and service innovation. Follow the virtuous cycle principle, principle of demand driven, the cost of covering based on the principle, the mortgage innovation, payment settlement innovation, guaranteed to increase trust class innovation, innovation of guarantee mechanism and based on the path of the United Farmers of the innovation of organization innovation, from the angle of transaction cost to innovations of all kinds were argumentation theory and provides the case evidence. Finally,according to the actual situation of rural financial market in Tai’an, this paper puts forward that the government should strengthen financial policy, tax policy, monetary policy and regulatory policy to support rural financial products and service innovation, the main body of rural financial supply should be introduced into the rural financial products and service innovation. This paper also discussed the necessity of establishing a fair rule of law environment, the information of the credit market environment and the construction of modern payment and settlement channels in rural areas.