The Research About The Evaluating Powers Of Continuous Innovation Of Rural Financial Products In Hunan

With the economical development, the urban finance has been rapid development and the new financial products continue to emerge, but the financial innovation in rural finance, which is relatively backward economy, poor infrastructure, poor quality of the farmers is really the blind spot. At the same time, the problem including economic development, social stability, rural issues, has been solved, which depends on the increasing support for rural from finance by providing funds and rural financial products.For reasons mentioned above, we construct the evaluation mode of powers which promote innovation in rural financial products, then evaluate the powers in Hunan by taking advantage of the model. In this paper, we take the fuzzy math as the foundation, take use of the traditional power's model of technological innovation, analyze the mechanism between the powers and achieve the combination of qualitative analysis and the quantitative analysis, systems analysis and specific analysis, theory and practice. The paper first analyzes the characteristics of rural financial product innovation and the type of innovation, points out the the objective evaluation criteria of the continuous innovation's rural financial product, which has continuous characteristics of the creative time, the benefits and the development of rural financial institutions, and concludes the mechanism model of the continuous innovation's powers in rural established on the basis of the traditional power's model of technological innovation, such as Schumpeterian innovation model, Technology to promote model, N-R model; the paper acknowledges the Hunan's achievements of rich products, different target and financial environment, analyzes the positive factors and negative factors of product innovation and points out the shortcomings of the modern evaluation theory, qualitative analysis with quantitative analysis; Based on the basic principles of fuzzy mathematics, we construct the fuzzy comprehensive evaluation model which includes 3 levels, 16 sub-indicators by the following steps: KPI determining indicatorsâ†'CVR testing indicatorsâ†'AHP determining the indicator weightâ†'fuzzy comprehensive evaluation, and take use of the evaluation model to evaluate the continuous innovation's powers of Hunan's rural financial products by calculating 1067 copies data, which is obtained by comparing between indicators, then give a "general "evaluation of Hunan according to the principle of maximum membership degree and grade standards; In the light of the weight, the paper puts forward policy recommendations from inside factors and outside factors to promote the development of rural finance in our province.