四川省农村信用社的金融创新【摘要】四川省农村信用社的金融创新是四川省农村金融发展的基础力量。目前，四川省农村信用社的发展既面临多重战略机遇，也面临着众多竞争对手的强势竞争以及合规监管、风险监管更加严格的新局面。同时，四川省农村信用社内部还存在着体制机制滞后、风险状况突出、员工队伍整体质量不高和创新能力弱等深层次问题，制约着其的发展和壮大。因此，系统分析四川省农村信用社的现状、存在的问题和面临的环境，制定适应环境变化和市场需求的发展战略，积极实施战略转型，才能积极应对市场竞争，并适应新监管规则的现实要求，以实现四川省农村信用社的不断创新发展。【关键词】农村信用社金融创新分析TheFinancialInnovationofRuralCreditCooperativesinSichuanProvince【Abstract】SichuanruralcreditcooperativesarethebasisoftheruralfinancialsysteminSichuanProvince,andalsothemainforceinthesystem.CurrentlySichuanProvince,ruralcreditcooperatives,ononehand,facingwithmultiplestrategicopportunities,butalsoundergoingstrongcompetitionofmanycompetitorsandregulatorycompliancecombinedwiththerisksaremorestringentincurrentsituation.SichuanProvince,however,withintheruralcreditcooperatives,therearedeep-seatedproblemssuchasinstitutionalmechanismslag,riskprofileandprominent,andtherelativelylowqualityofstaffandweakinnovationcapabilitywhichgreatlyrestricteditsdevelopmentandgrowth.Therefore,thesystematicanalysisofthestatus,potentialproblemsandenvironmentoftheruralcreditcooperativesinSichuanProvince,andformulatedevelopmentstrategiesthatadapttoenvironmentalchangesandmarketdemand,activelyimplementthestrategictransformationinordertoactivelyrespondtomarketcompetition,andmeetthepracticalrequirementsofthenewregulatoryrules.OnlyinthatwaytheruralcreditcooperativesinSichuanProvincecanbedevelopedandexpanded.【Keywords】Ruralcreditcooperatives;Financialinnovation;analysis目录绪论.................................................................................................................................................1第一节研究背景及意义.........................................................................................................1第二节相关研究综述.............................................................................................................21.关于农村信用社存在的问题研究......................................................................................2第三节研究思路及方法.........................................................................................................3第一章金融创新概述...................................................................................................................4第一节金融创新的内涵.........................................................................................................4第二节金融创新分类.............................................................................................................4一、金融制度和管理创新...............................................................................................4二、金融市场创新...........................................................................................................5三、金融产品创新...........................................................................................................5四、金融资源创新...........................................................................................................5五、金融科技创新.......................................................
