Study On The State-owned Joint-stock Commercial Bank's Innovation Of Financial Product Servicing "Agriculture,Farmer And Rural China"

Serving the "agriculture, countryside and peasants(Three Rural Issues) " is the political mission entrusted to the financial industry by the Party Central Committee and the State Council. Nowadays, the issue of "Three Rural Issues " has become the focus of attention of the whole society and the core problem to be solved urgently in the new situation. The governments always pay attention to the further development of the rural economy in the future and draw up the specific direction of development and a series of reform measures. From 2004 onwards, the central document draw up a number of policies and measures for nine years to aimed at improving the rural development status, especially in two main aspects: rural economy and rural finance. At present, accelerating rural financial innovation, actively improving and perfecting rural financial services is an important focus of financial work. We must vigorously develop urban and rural areas, speed up economic structural adjustment and transformation of economic development mode, and promote the construction of new socialist countryside. Simultaneously on the financial system to implement the strategy of strengthening agriculture and benefit farmers put forward new requirements.This paper combines the theory and practice. The first part is to elaborate the research background and research significance, briefly introduce domestic and foreign research situation; the second part is the introduction of the concept and theory of financial product innovation, around the joint-stock commercial banks service "three rural" financial product innovation, clear economic development is inseparable;the third part is the case analysis of the financial products innovation of the "Three Rural Issues" financial services provided by the joint-stock commercial banks; the third and forth parts are the analysis of existing in the Innovation and development of Financial Products in Commercial Banks with Stock System and on the Innovation of Financial Products in the Service of Agriculture,countryside and farmer by Stock Commercial Banks, explore the way of the joint-stock commercial banks to serve the agricultural products innovation; The last part is to accelerate the joint-stock commercial banks to serve the " Three Rural Issues" financial product innovation countermeasures and suggestions, cultivate financial product innovation concept, stimulate innovation power, vigorously develop rural finance, highlight the innovative features, build rural property rights trading platform, perfect guarantee mechanism Financial products, innovative risk prevention mechanisms of financial products, accelerating agricultural insurance.Finance has a great impetus to the development of rural economy. This paper summarizes the successful experience and the deficiency of the case of "Three Rural Issues " financial products of Huhehot Branch of China CITIC Bank to farmers, agriculture and rural economy. Based on this, the author gives some concrete suggestions on the orientation and innovation trend of state-owned joint-stock bank's future financial products.