Research On The Innovation And Development Of Commercial Banks’ Agriculture-Related Financial Business Model

Industrial finance is the general term for the financial activities that depend on and can effectively promote the development of specific industries in the process of the integration of modern financial system.Industry development cannot be separated from financial support,and financial capital appreciation cannot be separated from the development and growth of industry.The effective integration of finance and industry can enhance the amplification effect of social wealth and achieve a win-win situation between industry and finance.At present,financial channel financing occupies the first place in the total financing of China’s key industries,accounting for more than 40%.Accordingly,industrial finance also occupies a pivotal position in the credit assets of commercial Banks.However,the industrial loans of commercial Banks are mainly concentrated in key industries and large and medium-sized enterprises.The agriculture-related industries and small and micro enterprises,which occupy a basic position in the national economy and social development,are at a disadvantage in the allocation of financial resources due to their own endowment and financial exclusion.With the implementation of national strategies such as poverty alleviation and rural revitalization,the concept of inclusive finance has become increasingly popular.Commercial Banks are also providing more financial products and services to vulnerable industries and small and micro businesses by combining local economic policies and characteristic industries.In view of the long credit cycle,low returns and high risks of agriculture-related industries,how to innovate the financial operation and management mode of agriculture-related industries,effectively prevent and control risks while promoting the revitalization of agriculture and increasing farmers’ income,and realize the win-win of commercial sustainability and economic and social benefits is a major theoretical and practical topic worthy of in-depth study.Based on the above realistic background,this paper discusses the mode innovation and sustainable development of commercial Banks’ agriculture-related financial business.Based on carding domestic and foreign research present situation,the paper clarify the financial industry,agricultural industry financial related concepts such as connotation,with financial exclusion theory,theory of financial inclusion,incomplete competition market theory,industry financial life cycle theory as the instruction,such as theoretical analysis the necessity and feasibility of financial development of our country commercial bank industry,at present our country commercial bank industries finance development situation and main development mode and challenges and limitations.Taking"lobster loan"of**sub-branch of Hubei branch of Postal Savings Bank of China as a typical case,this paper analyzes the launch background,practical innovation and achievements of"lobster loan"credit in agriculture-related industries,and summarizes the successful experience and enlightenment.Finally,in view of the difficulties and bottlenecks faced by the industrial finance of China’s commercial Banks,this paper draws on the case experience and puts forward Suggestions to promote the industrial finance development of China’s commercial banks from the perspectives of government departments,commercial Banks and enterprises.The research results of this paper also have some theoretical reference significance for the construction and improvement of China’s inclusive financial system.