“天岗模式”对农村金融产品创新的启示——对蛟河市天岗信用社发展情况的调查

农村金融产品创新是农村金融机构提高服务＂三农＂质量的关键。如何开发、改进金融产品使其既符合＂多层次、广覆盖、可持续＂的农村金融体系的目标要求,又符合地区金融市场的需求是农村金融机构产品创新的根本。本文以吉林省蛟河市农村信用社开发的新型信贷产品——＂保石捷＂为例,分析其在地区经济发展中的作用与效果,并在所得出的农村金融创新的启示基础上提出了发展建议。

Inspiration of "Tiangang Model" on Rural Financial Products Innovation:Investigation of Tiangang Credit Cooperative in Jiaohe of Jilin Province

The rural financial product innovation in the rural financial institutions to improve service ＂three rural＂quality of the key.How to improve,develop financial products to not only meet the ＂multi-level,wide coverage,and sustainable,＂the rural financial system objectives and requirements,and meet the needs of regional financial markets is a product innovation in rural financial institutions,the key link.In this paper,the development of rural credit cooperatives Jiaohe City,Jilin Province,the new credit products,＂Bao Shi Jie＂,for example,to analyze its role in regional economic development and rural financial innovation and the effect of inspiration and development proposals.