Research On Development Model Of Rural Financial Products

In recent years,with the economic downturn,the unreasonable rise in house prices,coupled with the increasingly prominent inflation,depressed investment market,people's desire for value-added assets become stronger,but the general public investment channels are relatively narrow,Financial products become the first choice for investors.Commercial banks have been introduced,the sale of various types of financial products,and these products mostly urban residents as the object of service.National Bureau of Statistics data show that in 2016 the per capita disposable income of farmers 12363 yuan,the actual growth of 6.2%,while the urban residents per capita disposable income growth of 5.6%,the actual growth rate of urban residents beyond the actual growth rate of disposable income The In recent years,more and more farmers choose to urban development,migrant workers,enterprise labor costs increase;coupled with the central benefits of agricultural policy support,farmers'property,wage income accumulation,with more and more disposable income,financial The concept has also undergone greater changes,increase the demand for financial products.However,many commercial banks did not change the strategy,do not attach importance to rural financial services,there is a more serious "heavy farmers" phenomenon.The current rural market there is a more serious "blanking"phenomenon.Combined with the interest rate market to expand financing channels,increase reform,the development of rural financial markets.Rooted in the rural commercial banks,in the business outlets,human resources and other aspects have a certain advantage,in this context is more necessary to seize the opportunity to develop financial products,rich financial channels,reduce the impact of interest rate marketization.The Based on the above problems,this paper unifies the "development of rural financial products" to carry out research and analysis,combined with the case study method to Hohhot Jingu Valley agricultural behavior research object,in-depth analysis of the bank's actual operation,interpretation of its development of rural financial products.Field research,to master the Hohhot Jingu Valley Agricultural Bank of financial products development status quo.Secondly,through the analysis of the merits and demerits,challenges and opportunities of the development of rural financial products in Hohhot Jingu Valley,this paper analyzes the development offinancial products in the bank,and finds out the factors that restrict the development of rural financial products.Product potential demand,put forward in line with the needs of rural residents in rural financial products development strategy measures.In order to be able to Hohhot Jingu Valley agricultural business clear development ideas,research and development of practical financial products,design rural financial market expansion program,with a view to promoting the development of rural financial products.At present,the research on the financial products of commercial banks is focused on the operation mode of commercial banks,pricing mechanism,marketing strategy and risk income.At the same time,the research on the development of rural commercial banks is carried out at the micro level.Rural financial products research is rare.In this context,this paper analyzes the performance of the financial products of the bank,analyzes the development performance of the rural financial products in combination with the SWOT analysis method,and concretely combines the issuance and investment subjects Two levels of analysis.In the analysis of Hohhot rural financial products development trend,mainly around the supply and demand to match this index.In the discussion of Hohhot Jingu Valley Agricultural Bank of financial products development type and model,the focus of the analysis of the various periods,the issue of financial products related to the data to enhance the practicality of the study.This paper studies the rural financial products in Hohhot Jingu Valley,and finds out the reasons that restrict the development of rural financial products.In addition,there are many suggestions on promoting the development of rural financial market in other rural financial institutions.Based on this,It is hoped that the research of this paper will help promote the development of China's rural financial market.