| 城镇化进程中居民金融需求与农村金融机构服务创新研究——以重庆农村商业银行为例 |
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| 引用本文： | 卢靖璇,周丽佳,钟佳敏.城镇化进程中居民金融需求与农村金融机构服务创新研究——以重庆农村商业银行为例[J].南阳师范学院学报,2014(10):14-17,41. |
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| 作者姓名： | 卢靖璇 周丽佳 钟佳敏 |
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| 作者单位： | 北京工商大学经济学院 |
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| 摘 要： | 城镇化进程需要金融体系的支持,农村金融机构在其中有着重要的作用。重庆农村商业银行的服务创新模式及对城镇化的支持模式具有很大借鉴意义。重庆农村商业银行通过贷款、服务、制度上的一系列创新,在满足居民金融需求的同时,也促进了自身的发展。农村金融机构要以小微贷款为核心业务,逐渐增大中间业务收入占比,增加金融服务网点,满足城乡居民的金融需求。
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| 关 键 词： | 城镇化 重庆农村商业银行 金融需求 服务创新 |
On the Financial Demand of Residents amid Urbanization and the Service Innovation of Rural Financial Institutions |
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| LU Jing-xuan;ZHOU Li-jia;ZHONG Jia-min.On the Financial Demand of Residents amid Urbanization and the Service Innovation of Rural Financial Institutions[J].Journal of Nanyang Teachers College,2014(10):14-17,41. |
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| Authors: | LU Jing-xuan;ZHOU Li-jia;ZHONG Jia-min |
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| Institution: | LU Jing-xuan;ZHOU Li-jia;ZHONG Jia-min;School of Economics,Beijing Technology and Business University; |
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| Abstract: | Urbanization is the main development trend in China, which calls for the support of relevant financial systems. As one of the crucial parts in rural finance, current rural financial institutions still have many problems to be solved. The development model of Chongqing Rural Commercial Bank, the first rural commercial bank ever going public in China, is instructive and applicable to other rural financial institutions in China. Our research focuses on the analysis of the development model of Chongqing Rural Commercial Bank and proposes suggestions to the development of other rural financial institutions in China. |
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| Keywords: | urbanization Chongqing Rural Commercial Bank financial demand service innovation |
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