Research On The Services Modern Agricultural Product Development Of Harbin Bank

Finance is the core of modern economy,rural finance is the core of modern rural economy.To achieve agricultural development,rural prosperity,farmers income increase,can not be separated from the strong financial support.Since 2004,the "No.1 document" of the Central Committee has focused on agriculture,countryside and farmers for 14 consecutive years.At the present stage,China is in a critical period of transition from traditional agriculture to modern agriculture,and its dependence on financial products has been continuously strengthened.The modern agriculture has three characteristics to the financial demand,one is from the microfinance demand to the scale financial demand,the other is from the single-point financial demand to the industrial chain financial demand,and the third is from the individual financial demand to the diversified financial demand.Therefore,it is necessary to develop corresponding financial products and promote the development of modern agriculture according to the characteristics of modern agriculture.Harbin Bank is a national joint-stock commercial bank with its headquarters in Harbin City.In recent years,Harbin Bank has shown a rapid development trend.This paper studies the development of Harbin Bank's modern agricultural products and puts forward corresponding countermeasures.It is of great significance to eliminate the obstacles to the prospect of modern agriculture and promote the further development of modern agriculture.This research uses the literature research,the field investigation and so on method,first carries on the definition to the modern agriculture,the financial product concept,elaborates the agriculture transformation development theory,the financial credit theory and so on,establishes the theoretical foundation for the research;Then it analyzes the present situation of Harbin Bank's service to modern agricultural product development,and points out that its support for modern agriculture is increasing,the scale of loans continues to increase,the ability to resist risks is relatively strong,and then it is investigated on the spot.To understand the supply and demand of modern agricultural products served by Harbin Bank,it is pointed out that the supply of products is less than that of demand at the present stage.Based on a series of analysis of the present situation,the paper puts forward the Harbin bank service.Problems existing in the development of modern agricultural products.Then adhering to the principles and concepts of modern product development,Harbin Bank agricultural products development.Finally,from the two aspects of service efficiency and risk management,the paper puts forward the supporting policies to perfect Harbin Bank's service to modern agricultural products,in order to develop more suitable products for Harbin Bank to meet the needs of modern agricultural development.To promote the development of modern agriculture to provide reference.