摘要
随着我国经济发展步入"新常态"轨道,"三农"的需求结构发生了重大变化,"三农"问题进入新的发展阶段。村镇银行通过信贷产品的创新,可以加强助农支农的力度,满足"三农"发展中多元化的资金需求。本文在全面分析我国村镇银行发展现状的基础上,提出了我国村镇银行信贷产品创新的模式与路径设计及相应的政策建议。在信贷产品创新方面,提出了联保贷款、农业供应链融资两种模式,并分别从畜牧业和种植业两方面给出了信贷产品创新的具体实施路径。为促进我国村镇银行信贷产品的创新,必须加强内部的风险管理,加大政策的扶持力度,完善农村的信贷担保机制,促进农业保险的迅速发展,营造适宜信贷产品创新的发展环境。
With Chinese economic development entering ＂New Normal＂ track, demand structures of ＂agriculture, countryside and farmers＂ have had great changes, issues concerning them are entering new developing stages. Rural hanks are the main force of the rural financial institutions, it is a new pattern of financial institutions which serves for the rural areas and farmers. It is said that the development of rural banks not only have effects on its own operating performance but also affect the economic development and industrial transformation of rural areas, so as the level of peasant＇s welfare. The strength of supporting farmers would not have been sufficient enough due to the rural banks just developed in recent years. Countering the fact that the species of credit products is insufficient, single and lack of innovation, so that it cannot fit the credit requirement in rural areas. Through credit products inno- vation, rural banks can reinforce the power of helping and supporting farmers, and satisfy diversified fund demand in the development of ＂agriculture, countryside and farmers＂. Basing on overall illustration of current developing situations of Chinese rural hanks, it is found that the credit products innovation in rural banks have the following problems, such as lack of depth and breadth on credit products innovation, little awareness of credit products innovation about agricultural and the weaker ability to control risks of credit products innovation. The progress of rural banks＇ business need to adjust rural areas and innovate its own credit products then adapt the economic progress and transformation of credit requirement in rural areas. Rural banks should change their management philosophy, while paying more attention to customers＇ financial needs in their own regions, to provide quality service and differentiate their strategies through operation, in order to avoid homogenization and enhance the competitive advantage. On the basis of understanding the financial needs of local communities and characteristics of the local industry, Rural banks can design the credit products by looking for suitable loan modes and make a comprehensive approach to improve the quality of financial services. On the meth- ods of credit products innovation, it puts forward two patterns-joint guarantee credit and rural supply chain finan- cing,and it also gives scheme implementations of credit products innovation from two aspects： livestock husbandry and crop farming. In order to promote the innovation of China＇s rural bank credit products, in the first place, rural banks must strengthen the internal risk management. Rural banks should develop a risk control system, which suitable for their own environmental, to prevent a series of financial risks. Furthermore ,the state should adopt a range of preferential policies and increase efforts, which guide the direction of the credit products innovation, to support rural banks, by adjusting taxes, public expenditure or interest rates. In addition, to improve the rural credit guarantee mechanism, the government ought to ramp up the construction of rural credit guarantee system, encourage various credit guaran- tee institutions which the government funded into rural areas and expand the guarantee business in accordance with the characteristics of rural areas. Last but not least, it is important to promote the rapid development of agricultural insurance. Agricultural insurance can not only reduce the risk of agricultural production, but also ensure the stability of the income of the farmers. Partial risk of rural banks will be transferred to the agricultural insurance companies, so as to reduce losses. All above produce a good financial environment for credit products innovation in rural banks of China reinforce.
出处
《经济管理》
CSSCI
北大核心
2016年第3期12-19,共8页
Business and Management Journal ( BMJ )
基金
教育部哲学社会科学研究重大课题攻关项目"中国新生代农民工收入状况与消费行为研究"(12JZD028)
教育部人文社会科学重点研究基地重大项目"调整型经济增长对我国居民可持续性消费影响的实证研究"(13JJD790011)
国家社会科学基金重点项目"中国经济发展中的文化消费问题研究"(12AZD021)
关键词
村镇银行
信贷产品创新
模式建构
方案实施
rural bank
credit products innovation
model construction
scheme implementation
