4月23日已修改(2稿)苏睿我国农村商业银行金融创新与实践.docxVIP

本科毕业论文（设计）我国农村商业银行金融创新与实践—以大方县农商行为例Rural Commercial Bank Financial Innovation and PracticeinOur Country- Take The Defang Agriculture Business Behavior作者苏睿专业指导教师学院二〇一六年五月 诚信声明本人郑重声明：本人所呈交的毕业论文，是在导师指导下独立研究取得的成果。毕业论文中凡引用他人已经发表的成果、数据、观点等，均已明确注明出处。除文中已注明引用的内容外，不包含任何其他个人或集体已发表的论文。若有抄袭，愿承担一切后果。特此声明作者签名：签字日期：贵州财经大学本科毕业论文授权使用声明作为本科生毕业的条件之一,毕业论文著作权拥有者授权贵州财经大学拥有毕业论文的部分使用权,即:学校有权按有关规定向国家有关部门或机构送交论文的复印件和电子版,允许论文被查阅和借阅,可以将毕业论文编入有关数据库进行检索,可以釆用影印、缩印或扫描等复制手段保存、汇编毕业论文。本人提交的电子文档的内容和纸质论文的内容相一致。保密的毕业论文在解密后也遵守此规定。`□公开 □保密( 年)作 者 签 名： 签字日期：指导教师签名： 签字日期：摘要现阶段，金融创新日益进步和不断更新，新出现的金融产品和服务越来越多，金融创新究竞是发展的动力还是危机的根源，引起社会各界的高度关注与反思。对金融创新的理论与实践问题进行深入地研究日益成为我国银行业以及管理部门把金融创新作为重要日程工作，同时，这也是探讨我国农村商业银行未来发展方式的迫切需要。本文主要简单的论述了我国农村商业银行的发展状况，然后以大方县为例，深入分析了大方县农商行实行金融创新的运行情况，之后认真分析了大方县农村商业银行金融创新面临的困难，最后深刻的论述了大方县农商行在发展过程中面临的机遇与挑战。关键词：农村商业银行， 金融创新， 大方县AbstractAt present, the financial innovation is becoming more and more progress and constantly updated, more and more new financial products and services, or the power of the development of financial innovation in competition is the root of the crisis, caused the social from all walks of life attention and reflection. Theory and practice of financial innovation is conducted in-depth research has increasingly become our country banking industry and the financial innovation as an important agenda, the administrative department at the same time, it is discussed the urgent needs of the rural commercial bank in our countrys future development way. This paper simply discusses the development of rural commercial bank in our country, and then in dafang, for example, deeply analyzes the dafang bank implements the operation situation of financial innovation, after careful analysis the dafang county rural commercial bank the difficulties facing the financial innovation, finally deeply discusses the dafang bank facing the opportunities and challenges in the process of development.Keywords: rural commercial Banks, financial innovat