Research On Innovating The Service Mode Of Peasant Household Micro-finance Of Rural Commercial Bank

In recent years,with the "three rural issues" in the increasingly important role of promoting national economy plays a role in the healthy development and play,how to solve the "three rural problems" in the process of the development of more and more attention by all levels of government.Especially in the current funding has become an important bottleneck restricting the "three rural" issues,and how to improve the rural micro credit is an important breakthrough to solve the problem.At present,although the total amount of rural microfinance business development is very large,but there are still some problems,such as small scale,high cost,difficulty of farmers loans,and so on.Therefore,it is an important way and means to promote the development of the "three rural" in China,how to innovate the microfinance service model and improve the service ability of rural commercial banks.In view of this,this study based on the theory of rural microfinance,in-depth analysis of China’s rural commercial microfinance development environment in the future,especially the analysis of China’s agricultural firms future development opportunities and threats of the microfinance industry,their advantages and disadvantages,and based on this,put forward to promote the development of China rural commercial microfinance targeted strategies and recommendations,including to gradually adjust and optimize the credit structure,credit products and innovative marketing model,the credit risk management organization system.Further,based on the case of Tianjin Binhai rural commercial microfinance service model innovation,analysis of the status quo of rural microfinance and the existing problems and difficulties in the future Binhai rural commercial microfinance service model innovation faces.Then,on the basis of the actual situation of coastal agricultural firms on how to promote the business model innovation put forward exploratory proposals,including continuing to promote rural development,financial product innovation of personal microfinance service mode,create rural rural self-help shop service mode,and improve the efficiency of microfinance services,establish a diversified rural microfinance services the platform,improve the rural financial ecological environment,improve the micro credit risk management put forward relevant policy suggestions.The related research conclusion has certain reference value for the development of rural micro credit business in other rural areas of China.