Yongchun Rural Credit Cooperatives Financial Product Innovation Research

Our country is a large agricultural country,agriculture has an important strategic value in China’s national economy.So our country has always attached great importance to agricultural investment,especially in recent years,the government through the agricultural tax,direct subsidies for farmers,promoting agricultural insurance etc.,to increase efforts to support the "three rural",let the farmers get the benefits,for the prosperity of rural economy and agriculture to play a certain role in promoting.But as everyone knows,in order to realize the prosperity of rural economy,the lives of wealthy farmers,agricultural modernization,we must have the prosperity of rural finance to support,otherwise,everything will become a mere formality,can not solve the fundamental problem of funds.China’s rural financial reform has made many beneficial attempts,but because of the "important strategic position of agriculture" and the development of China’s overall financial market lags behind,leading to the development of rural finance in China is lagging behind,cannot satisfy the needs of the development of "three agriculture",leading to the development of"rural" is still hovering in the low speed.So this paper chooses the financial product innovation of rural credit cooperatives as the object of study,through literature analysis,comparative analysis,case analysis,credit cooperatives in Yongchun County as an example,from the following several aspects of research,in order to provide reference for the theory and practice research:first,introduction.Introduces the purpose and significance of research,research status,research objectives,research contents and the key to solve the problem,research methods and technical route.Two,the innovation of financial products overview.Introduces the connotation,characteristics,financial product innovation theory,analysis and motivation of rural credit cooperatives,financial product innovation principles and typical case.Analysis of existing three,Yongchun County Rural Credit Cooperatives financial product innovation present situation problems.Starting from the service product innovation situation of Yongchun County Rural Credit,analyze the existing problems,finally,problems of financial product innovation.Four,improve the Yongchun County Rural Credit Cooperatives financial product innovation strategy.Five,Yongchun County Rural Credit Cooperatives financial product innovation practice enlightenment.