A Study On The Development Of Rural Financial Products Based On Pizhou Rural Commercial Bank

In recent years, with increasingly apparent slump in stock market investments and inflation, increasing the value of assets people want to desire more and more intense. More and more investors are turning to financial products. The numbers of financial products that commercial bank offer are endless. But these financial products are sold mainly in urban areas. According to the National Bureau of Statistics data, the per capita net income of rural residents in2013reached8,896yuan, and the actual growth rate exceeded the growth rate of real disposable income of urban residents.With the influx of migrant workers in rural areas, increase their labor costs, while benefiting from greater intensity of the central support and benefit agriculture policy, wage income of farmers increasing disposable income also will continue to improve, and the city has brought financial the concept of change, the demand for rural farmers growing financial products. But most of the commercial banks think that " City Light weight agriculture ", ignoring the potential demand for rural financial markets, and lack of financial services in rural areas. Further lead that increasing the gap of rural financial markets.To solve the above problems, this paper that how to seize the development of rural commercial banks in China’s rural financial products that perspective. The use of empirical analysis on the status of the development of agricultural businesses in rural Jiangsu Pizhou financial products were studied. First through market field research, development status Pizhou master Rural Commercial Bank financial products. Followed by pizhou rural commercial banks in the development of rural financial products, strengths, weaknesses, opportunities and challenges are analyzed, as well as through field survey questionnaire interviews, find pizhou rural commercial banks in the Development weaknesses and problems Then come to market positioning pizhou rural commercial bank financial products business, combined with the potential needs of rural residents of the actual situation of financial products, development of strategic measures proposed pizhou rural commercial banks in rural financial products meet the needs of rural residents. Wish that this paper could guide Pizhou Rural Commercial Bank to sort out development, design the rural financial market financial products usability, implement effective product development programs and to expand the rural market to provide some reference value.Research on financial products in recent years, the current research on commercial banking and personal finance product development in rural commercial banks quite a bit, mainly on financial products pricing mechanism, the risk-return characteristics and marketing strategies and mode of operation problems, or Research on the development of rural financial planning market. And combined with the characteristics of the region starting from the micro perspective of specific research on financial management of rural households not much research on the development of rural commercial banks in rural areas fewer financial products. This paper analyzes the Pizhou rural commercial banks in rural financial products product type and operating mode, and made a SWOT analysis of their development performance situation, this paper studies two aspects of issuers and investors rural financial products through the supply match demand to illustrate trends pizhou rural financial products. In his discussion of Pizhou rural commercial banks and the type of financial product development model, the paper cited a financial product data for each of its issue, so that more specific and practical research. In this paper, Pizhou Rural Commercial Bank as an example of rural financial products, identify limiting factor in the development of rural financial products, to other rural financial institutions to develop rural financial market to provide some reference.