Research On The Credit Operating Mechanism Of Rural Banks From Inclusive Finance Perspective

The aim of the inclusive finance is to offer everyone, specially people who suffer from poverty and low-income a better financial service, to help them get rid of poverty. The Plenum of the18th clearly put forward to make the inclusive finance as the goal of rural financial reforms. To achieve this goal, we must accelerate the development of new rural financial institutions.In order to solve the problems of insufficient supply of rural finance and difficulties in obtaining loans about agriculture, rural areas and peasantry, the state proposes to establish new rural financial institution. The Rural bank has drawn the most national attention and has had the fastest speed in the six-year development process. However, we should realize the fact that the development of rural banks is still under exploratory stage, and there are many problems in the credit operating mechanism of rural banks. This makes serious effect to the sustainable development of rural banks and goes against with the principle of inclusive finance. Therefore, it is necessary to study and discuss the credit operating mechanism of Chinese rural banks in order to realize the goal of the inclusive finance.Yunnan is a province where "nation, mountain, boundary and poverty" exist. There are totally73key projects of national anti-poverty and development strategy. The poverty is large-sized and deep-extended. The unbalance of supply and demand is very serious. Therefore, it is very essential to study the credit operating mechanism of rural banks, to improve the credit operation efficiency of rural banks and to promote the inclusive financial development of Yunnan.Take Yunnan as an example. Firstly, this thesis analyses the rural financial demand from the credit demander aspect, mainly does the research of financial demand character and credit behavior of Yunnan farmers. These are the basis of studying the credit operating mechanism of rural banks. Thirdly, it analyses the successful cases of the credit operation mechanism from both home and abroad to learn from their experience and practice.In the end, it puts forward some suggestions of improving the credit operating mechanism of rural banks:to strengthen the training system of the farmers, to update and innovate the credit products and service mode, to enhance the construction of talent team, to establish checkup before credit and measures of risk warning mechanism. The Government and relevant Regulatory Authority should optimize the ecological environment of rural inclusive finance, intensify policy support, and improve the relevant laws and regulations system of rural banks.