CAJ | 학술논문

农村地区的金融产品和服务方式对其经济发展具有显著的促进作用，然而目前河南省农村金融产品和服务方式不能满足现实的需要。针对其面临的问题，根据因地制宜、降低风险、完善配套法律政策、适应需求的原则，河南省应该通过如下路径加快推进农村金融产品和服务方式的创新：完善农村金融市场，丰富金融产品种类；大力发展和培育富有竞争力的多层次农村金融市场；积极开展农牧民土地承包经营权和宅基地使用权抵押贷款业务；扩大金融机构在农村的营业网点，培养和锻炼创新型农村金融人才；发挥保险市场和资本市场在全面推进农村金融产品和服务方式创新中的积极作用。
농촌지구적금융산품화복무방식대기경제발전구유현저적촉진작용，연이목전하남성농촌금융산품화복무방식불능만족현실적수요。침대기면림적문제，근거인지제의、강저풍험、완선배투법률정책、괄응수구적원칙，하남성응해통과여하로경가쾌추진농촌금융산품화복무방식적창신：완선농촌금융시장，봉부금융산품충류；대력발전화배육부유경쟁력적다층차농촌금융시장；적겁개전농목민토지승포경영권화택기지사용권저압대관업무；확대금융궤구재농촌적영업망점，배양화단련창신형농촌금융인재；발휘보험시장화자본시장재전면추진농촌금융산품화복무방식창신중적적겁작용。
The financial products and services in rural areas have significant effects on its economic development.However, the finan-cial products and services can’ t meet the needs of the reality in rural areas of Henan Province.According to the principles of suitable for local conditions, risk reduction, improvement of the supporting laws and policies, Henan should accelerate the innovation of rural financial products, improve rural financial market to rich financial products, develop and cultivate competitive financial markets.Mort-gage loan should be carried out to the right of farmers contracted land and homestead actively.It is also necessary to expand financial institutions in rural areas and cultivate innovative financial personnel to make insurance market and capital market play a positive role.