Analysis of Problems Existing in Rural Financial Products and Services Innovation in Henan Province

摘要

Rural finance is the core of the modern rural economy. At present, the rural financial innovation in Henan province has obtained great achievements, financial innovation products emerge in endlessly, the mode of financial services is constantly being optimized. But there are still problems in rural financial reform and innovation, the initiative of financial innovation is not enough and obviously dependent on the government, the innovation subject is unitary and lacks innovation motive force, the level of innovation is low, the promotion and application is limited. Further analysis shows that the following conditions are restricting the reform and innovation of rural finance: the weak foundation condition of rural areas, the single financial structure and backward financial market, backward business concept and unbalanced loans on credit, adverse assessment mechanisms and inadequate policies, the lack of rural financial talents and technical support.