Research On The Rural Bank S Market Position And Financial Innovation In CAP Model

The development of community bank has greatly improved current situation,in Chinese financial market,that rural service is limited,settlement business is blocked and competition market is imperfect.Through the marketing operation,It not only helps keep more rural capital,but meet the need of finance in the countryside.It is obvious of community bank to solve the problems of three agriculture,but it also faces many constraints,which is applied of its customers with insufficient anti-risk ability and its products with a lot of limits.Therefore,less capital,difficulty of deposits,high cost,good risk appear.In the body,the author introduces the theoretical foundation of the article,market orientation theory,financial innovation theory,the financial intergrowth theory.analyze the present stage of target customers,business area,product,according to the market theory model of the CAP.Community bank should be more inclined to the demands of farmers and small-sized enterprises,because of the huge development potential of this market.In terms of product,we can try more about coinsurance loan mode and supply chain financing mode.Then,it introduces some design work of financial products according to anthor's practical working experiences.there are some suggestions about community bank market positioning.To moderately expand capital funds,to create policies of relieving all kinds of risks,to broaden the sources of funds,to alleviate community banks pressure of deposits and the "high cost" of it,and to strengthen product innovation and system construction,including to improve the comprehensive competitiveness.