Research On CCB Quanzhou Branch Services "Three Dimensional Rural" Development

“Three Dimensional Rural” Issues are the key factors of building a harmonioussociety and realizing the fast economic development, and have long been a highdegree of attention of the party and the country.Rural finance is the core of themodern rural economy,“Three Dimensional Rural” issue can’t be resolved effectivelyif there is not adequate funding support from rural financial market.However, for along period of time, China’s major financial source of rural economic developmenthas mainly been come from the governments’ support, and the development of ruralfinancial market is relatively slow, the rural financial service level and the pace ofdevelopment has lagged far behind the financial development in the city. The laggingdevelopment of Rural financial market has largely restricted the application of theindustrialization of agriculture and rural economic development.Quanzhou city is one of the most dynamic regions of the private economy inFujian province and even the all country, the industrialization of agriculturedevelopment is impressively carried out. With the development of the rural economyof Quanzhou city, demand for credit funds of the majority of farmers is growing, andthe imbalance between rural finance issues have become increasingly prominent, thelack of rural financial services has become one of the main factors which constraintsQuanzhou city’s rural economic development. Consider the situation that thecompetition in the urban financial market is excessive while the financial supply inrural market is inadequate, Quanzhou branch of China Construction Bank in recentyears constantly adjust business ideas and strategies, carried on the financial servicesin the city, and at the same time, actively explore the rural financial market, andachieved remarkable results. In this paper, with the guide of agricultural economics,rural finance and others related theory, combined with my work experience in Quanzhou branch of China Construction Bank,based on in-depth analysis aboutQuanzhou branch of China Construction Bank service "Three Dimensional Rural"work situation and existing problems,learn the advanced experience from abroad, andpropose the further services countermeasures. In this paper, the main contents andconclusions are as follows:First, Consider that rural finance is the core of the modern rural economy， is thesticking point to solve China’s "Three Dimensional Rural" problems, and plays apivotal role in rural economic development.China Construction Bank, as thestate-controlled financial enterprises, that carry out the "Three Dimensional Rural"financial services actively, is the requirements of realization the party and the countryoverall strategy, is the objective requirement of the development of the rural financialsystem, and is the internal needs for the development of reform and innovation ofCCB.Second, analyze and summarize the financial services "Three Dimensional Rural"status of Quanzhou branch of CCB. In recent years, Quanzhou branch of CCBintegrate the local characteristics of rural economic development, launch thefollowing five businesses mainly, including innovative small and micro enterprises tocarry out agriculture-related financial services, develop new financial services of ruralinfrastructure actively, develop financial services of urbanization, boost theindustrialization of agriculture financial services organizations, organize activities offinancial knowledge to the countryside, extend rural financial services.Third, analyze the constraints factors when Quanzhou branch of CCB service"Three Dimensional Rural". Including that the risk of agriculture-related loansprevention is more difficult, the human capital construction level of bank outletsbelow the county is inadequate, the management costs of agriculture-related loans isrelatively high, the external environment of rural finance needs to be improved.Fourth, briefly introduce and analyze how commercial banking support agricultural development in United States, India, Bangladesh and other countries,andconsider that we should learn the advanced experience of ongoing rural financialproduct innovation from these countries, improve agricultural credit insurance systemand legislative system, the implementation of micro-credit systems, increase farmers’income, agricultural production and rural economic development.Fifth, we propose to further promote the China Construction Bank branch inQuanzhou service "Three Dimensional Rural" development countermeasures andsuggestions. Quanzhou branch of China Construction Bank that in the face ofincreasingly complex financial market environment, we must take the initiative tochange, through business product innovation, deepen reform, and actively promotethe optimal allocation of financial resources and reasonable to ensure that the "ThreeDimensional Rural" sustained and healthy development of the business.