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当前,农村金融需求和金融供给之间的矛盾仍然十分突出,结合农村金融需求特点和发展趋势,积极开展农村信贷产品和金融服务方式的创新,对缓解农村金融供需矛盾、支持“三农”发展具有重要作用。山西省农村信贷产品和金融服务方式创新目前尚处于发展初期,这些金融创新的外部条件还不够完善,内部运作也不够规范,但它满足了部分农村金融需求,一定程度上弥补了农村金融供给的不足,在加强和改进农村金融服务方面进行了有益探索。
At present, the contradiction between rural financial demand and financial supply is still outstanding. Combining the characteristics and development trend of rural financial demand, we should actively carry out innovations in rural credit products and financial services to ease the contradiction between supply and demand in rural finance and support the “ ”Development has an important role. Shanxi rural credit products and financial service innovation is still in the early stages of development. The external conditions of these financial innovations are still not perfect and the internal operation is not standardized. However, it meets some rural financial needs and to some extent makes up for the rural financial supply Inadequate, in the strengthening and improvement of rural financial services conducted a useful exploration.