信阳师范学院学报：哲学社会科学版
信暘師範學院學報：哲學社會科學版
신양사범학원학보：철학사회과학판
Journal of Xinyang Teachers College(Philosophy and Social Sciences Edition)
2012年
4期
44-49
,共6页
农村金融产品%创新%抵押贷款%金融监管%新农村建设
農村金融產品%創新%牴押貸款%金融鑑管%新農村建設
농촌금융산품%창신%저압대관%금융감관%신농촌건설
country financial products%innovation%mortgage and loan%financial regulation%new Rural construction
农村金融产品创新对新农村建设具有重要的意义。现阶段农村金融产品创新由于人们认识不足、体制弊端、金融产品结构不完善、诚信缺乏、金融监管不严等原因,造成了农村金融产品单一、灵活性差、不适应新农村建设的发展。为此,各金融机构要改变观念、改善信贷管理体制、培育多元化的农村金融产品结构、完善农村信用体系、加强监管。大力创新农村金融产品,包括抵押形式创新、担保机制创新、风险机制创新、保证贷款创新、信用贷款创新等。
農村金融產品創新對新農村建設具有重要的意義。現階段農村金融產品創新由于人們認識不足、體製弊耑、金融產品結構不完善、誠信缺乏、金融鑑管不嚴等原因,造成瞭農村金融產品單一、靈活性差、不適應新農村建設的髮展。為此,各金融機構要改變觀唸、改善信貸管理體製、培育多元化的農村金融產品結構、完善農村信用體繫、加彊鑑管。大力創新農村金融產品,包括牴押形式創新、擔保機製創新、風險機製創新、保證貸款創新、信用貸款創新等。
농촌금융산품창신대신농촌건설구유중요적의의。현계단농촌금융산품창신유우인문인식불족、체제폐단、금융산품결구불완선、성신결핍、금융감관불엄등원인,조성료농촌금융산품단일、령활성차、불괄응신농촌건설적발전。위차,각금융궤구요개변관념、개선신대관리체제、배육다원화적농촌금융산품결구、완선농촌신용체계、가강감관。대력창신농촌금융산품,포괄저압형식창신、담보궤제창신、풍험궤제창신、보증대관창신、신용대관창신등。
It is very important to innovat financial products in the country for the instruction of the new country. In a present period, there are some reasons for the innovation. For instance, the people＇s deficient recognition, the defect of the system, the structure of the financial is not perfect, the lack of honesty, the week of financials management and so on, which result in the rare kind of financial products, the weakness of flexibility, and not fit for the development of new village foundation. So that every financial institution should change the idea, improve the credit management systems, foster the muhifarious financial product＇s structure, perfect the country＇s credit system, and strengthen the financial regulation and so on. Vigorously innovate the new country of financial products, including the innovation of the mortgage forms, the innvation of guaranteed systems, the creation of the risk systems , the innovation of guaran- teed loans systems, and the credit systems.
