Study On Development Of Rural Financial Service Innovation In Jilin Province

Rural finance is the core of the rural economy, the financial main body andorganization includes rural credit cooperatives, rural market economic vitalitythrough activation of the intermediation of funds, to provide financial support for ruraleconomic development, to promote rural economic development of great significance.With the constant deepening of reform and development of economy and society, thedevelopment of rural finance is gradually obvious drawbacks, financial organizationstructure is not reasonable, the efficiency is low, the problem of serious loss offunds has seriously hindered the development of rural finance, it puts forward the newrequest to the development of rural finance. Although rural financial organizationmodel has been constructed, but there are still limited in the actual economic andsocial operation. These difficulties and limitations are also had a profound impact onthe rural financial development in Jilin Province, to a certain extent, restrictedthe lasting development of the rural economy in Jilin province and the construction ofsocialist new village, therefore, the development of rural economy must focus on ruralfinance, rural financial services driven by the development of the rural economy, toexplore a suitable for the development of rural economy in Jilin the provincialfinancial service development system.The author conducted a serious study of the recent financial services in ruralareas of Jilin province development and innovation. Analysis, survey analysis,normative analysis and other research methods by literature, by Mackinnon--XiaoJinrong suppression and the financial deepening theory, rural financial market theory,demand supply theory, equilibrium theory as its theoretical foundation, carries on thelimits to the rural finance, financial services, financial innovation concept, describesthe basic structure of the current rural financial services system of Jilin Province, onthe development of financial services in rural areas in Jilin province were analyzed, putforward the factors restricting the development of rural financial service in JilinProvince, including insufficient financing channel is narrow, the service efficiency islow, single investment channel and other places. These problems are due to policiesand regulations are not sound, the lack of effective competition mechanism of gold, insurance financing facilities imperfect caused; on the basis of financial servicesin rural areas of Jilin province development strategy to carry on the analysis, proposesthe goal and the principle of the development of financial services in rural areas ofJilin Province and the content of rural financial service in Jilin’s development andinnovation, including the innovation, the reform of rural credit cooperatives in ruralfinancial products, derivatives and financial service innovation, the introductionof innovation of new financial institutions; in view of the existing rural financialservice in Jilin Province, the problems and causes, to development objectives,principles and content of the innovation of wizard, analyzed the risk of rural financialservice innovation in Jilin Province, put forward to deepen the rural financeinstitutional reform, the strengthening of rural financial credit products and serviceinnovation, increase government investment, to the rural finance service to strengthenthe relevant departments of rural cooperative finance supervision, perfecting ruralfinancial service policy system to realize the rural finance of Jilin province the healthyand orderly development of the risk prevention and control measures.The full text is divided into6chapters:The first chapter: mainly introduces the research on the innovation of ruralfinancial services in the background, objective, significance, main content and way ofthinking and the research status of domestic and foreign research.The second chapter: the dissertation research related concepts and theoreticalbasis. This part starts from the basic theory of rural financial services, which definesthe rural finance, financial services, financial innovation and other related concepts,to Mackinnon suppression and the financial deepening theory, rural financial marketsupply and demand, market equilibrium theory and other related theories as thetheoretical basis, research for financial services in rural areas of Jilin Province, thedevelopment of innovative completes the theory upholstery.The third chapter: the present situation of the development of financial services inrural areas of Jilin province and the existing problems. In this part, through the analysisof the current situation of the development of rural financial service system in Jilinprovince and the existing problems, puts forward the existing problems of ruralfinancial service in Jilin Province limited financing channels, the service efficiency islow, a single investment channels, aiming at these problems,analyzes the causes ofthese problems, including policies and regulations are not sound, the lack of financial market competition mechanism, effective financing,insurance measuresare not perfect, and proposed the corresponding solution and way.The fourth chapter: the strategy of rural financial service innovation anddevelopment of Jilin province. This part analyses the development strategy ofrural financial service innovation in Jilin Province, develop the rural financialservice innovation of Jilin province development goals, including the improvement ofrural financial service system, speed up the popularization of propaganda andeducation infrastructure construction; on the basis of the development of thedevelopment of rural financial service in Jilin Province, including principles,improvethe efficiency of financial services to reduce the transaction cost, the formationof interest incentive mechanism; based on the development goal and the principle,proposed the Jilin province rural financial service innovation and developmentof content, including the innovation, the reform of rural credit cooperatives inrural financial products and services innovation, the introduction of innovation of newfinancial institutions.The fifth chapter: the risks prevention and control measures of existing ruralfinancial service innovation in Jilin province. It mainly introduced the risk existing inrural financial service innovation in Jilin Province, and further analysis of riskcharacteristics, types, and combined with the risk of rural financial serviceinnovation of Jilin province’s rural financial service innovation of Jilin Province,riskprevention and control measures.The sixth chapter: conclusion.