Rural Credit Product Development And Reserch Of The Bank Of NingXia

Bank of NingXia was founded in 1998,is a joint-stock commercial bank formed by the NingXia Hui Autonomous Region and Yinchuan government.Bank of NingXia keep the "service for small and medium-sized enterprises,service of urban and rural residents" market positioning,on the business development road of characterization,differentiation,leading the market share for many years in NingXia region.In recent years,influenced by the economic downturn,the commercial bank management level a significant decline,2012-2016,the domestic banking sector growth is making a "double digit" to"single" to "zero time" free-fall of trajectory,marginal benefit drops markedly.In the fierce competition environment Bank of NingXia faces more scarce resources,have no point of growth,be badly in need of new markets,new products,break through the existing pattern."The three issues of agriculture,countryside and farmers" has been the hotspot and difficulty of financial innovation,in the face of the overall market of the current state is not active,focus on the innovation and development of the agricultural financial is very necessary.For a long time,agricultural financial market mainly by the Agricultural Bank of China and Rural Credit Cooperatives,Bank of NingXia as the largest commercial Banks in ningxia region market,but the proportion of agricultural financial markets are small.Bank of NingXia now have single varieties of agricultural credit,creativity and attraction is not enough,unable to effectively market integration,lead up the situation of market spread out and poor quality of credit assets.This article goes to solve the problem of lack of financial products of Bank of NingXia,and the problem of the insufficient agricultural quality of credit assets as a starting point,through the analysis of the current financial situation and ningxia region agriculture in Bank of NingXia focus for the development of agricultural credit,use SWOT,4 C and other analysis methods,combined with the credit product design concept,on the basis of the results of the analysis to explore the marketing pattern of agricultural credit products,to establish an innovative design of agricultural credit products,to meet the needs of the Bank of NingXia current operation and management of agricultural credit products.To provide reference for Bank of NingXia innovation.