The Research On The Rural Financial Products And Services Innovation Of Hakka Village Bank In Meizhou,Guangdong Province

The aim of setting up village banks across the country in China is to properly solve such problems existing in rural areas as low coverage of the banking financial institutions,poor financial products supply,the absence of financial services and insufficient competition.In recent years,as the pioneer of advancing financial inclusion of rural area,Guangdong province clearly requires to further deepen the reform of rural finance,improve the level of financial services to rural areas,agriculture and farmers.One of the main task and key work of the construction of financial inclusion of rural area and reform of financial system in rural area in Guangdong province is to advancing innovation of rural financial products and services.Therefore,the achievements,deficiency and the future development to carry out the work of rural financial product and service innovation of village banks in Guangdong province is a subject deserves to be in-depth studied.It could not only create conditions for the development of rural finance,but also perfect our country's rural financial market and increase the income of peasants.Therefore,it is of important theoretical and realistic significance.Based on the collecting and organizing about rural financial product and service innovation on the basis of the research literature at home and abroad,the paper choose the representative Hakka Village Banks of Meizhou city in Guangdong province as the research object.Based on methods of the qualitative and quantitative analysis,the paper analyze the current situation of the rural finance product and service innovation of the village Banks in Guangdong province.Finally,the paper provide some feasible suggestions for the development of the rural finance product and service innovation based on the analysis of existing problems and the actual situation of Guangdong province.On the one hand,the government and relevant departments should actively promote the construction of rural credit system,provide financial and policy support to rural financial products and services innovation and strengthen the collaboration with related departments.On the other hand,village banks should endeavour to provide diversified rural financial products and services,adjust the financial products and services to the characteristics of the rural economy and innovate the mode ofdevelopment and break into the area of "Internet and rural finance".