Abstract: It is very important to innovat financial products in the country for the instruction of the new country.In a present period,there are some reasons for the innovation.For instance,the people’s deficient recognition,the defect of the system,the structure of the financial is not perfect,the lack of honesty,the week of financials management and so on,which result in the rare kind of financial products,the weakness of flexibility,and not fit for the development of new village foundation.So that ever...