YANG Fan.Innovation of Rural Financial Products and Service Mode in Heilongjiang Province Based on View of Farmer Credit Demand[J].HEILONGJIANG AGRICULTURAL SCIENCES,2012,(05):132-134.
基于农户信贷需求的视角创新黑龙江省农村金融产品与服务方式
- Title:
- Innovation of Rural Financial Products and Service Mode in Heilongjiang Province Based on View of Farmer Credit Demand
- 文章编号:
- 1002-2767（2012）05-0132-03
- 分类号:
- F832.4
- 文献标志码:
- A
- 摘要:
- 农村金融服务的核心是产品和服务方式，而产品和服务方式的设计要立足于农户借贷的实际需要。对制约黑龙江省农户借贷的外部因素进行了详细分析，并以此为依据，立足于农户借贷的实际需求和农村金融创新实践，从信用、定价、额度、期限、偿还方式、办理程序、支付手段和网点建设方面提出了农村金融产品和服务创新的建议。
- Abstract:
- Products and services are the core of rural finance.Products and services design should be based on the actual demand of rural household borrowing.The constraints of external factors of farmer credit demand were analyzed in Heilongjiang province in detail.In accordance of the analysis,based on the actual demand of rural household borrowing and financial innovation practice,the innovation suggestions on the rural financial products and services were put forward from credit,price,amount,term,payment methods,procedures,payment means and network construction.
参考文献/References:
[1]董晓林,吴昌景. 四大担保模式化解农民贷款难题 [J]. 农业经济问题 ,2008(9) ：35 - 40. [2]陈鹏,刘锡良.当前农村金融利率机制是有效的吗[J].中国农村经济,2009(11)：39-49. [3]杨谷芳.试论国内商业银行信贷业务流程再造[J].南方金融,2005(10)：44-46.
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备注/Memo
作者简介：杨帆（1982-），男，黑龙江省哈尔滨市人，硕士，助理研究员，从事农业经济学、农村金融研究。E-mail:yangfanking@126.com。