The Influence Of Developing Light Assets Business On The Support Of Agriculture,Rural Areas And Farmers In Rural Commercial Banks

The nineteenth National People's Congress put forward the implementation of the strategy of Rural Revitalization."The problem of agricultural and rural farmers is the fundamental problem in relation to the national economy and the people's livelihood.It must always be the most important task to solve the problem of" three rural "as a whole party.However,China's agricultural economic base is weak,coupled with the deepening of our interest rate marketization and the expansion of the business of urban commercial banks.The rural commercial banks in China have been greatly impacted.The expansion of the light asset business has become a choice for the future development of the rural commercial banks,and as a proper supplement to the core business.This paper first reviews the domestic and foreign scholars' research on the development of rural commercial banks' intermediary business and the mode of light asset management,and summarizes the impact of the light asset business on the risk performance of rural commercial banks and the situation of rural commercial banks.Secondly,it combs the related economics and finance of the commercial banks'carrying out the impact of the light asset business on the agricultural banks.Based on the theory,this paper analyzes the comprehensive influence of the rural commercial banks on the situation of the rural commercial banks,including the profitability and risk control ability of the rural commercial banks as an important indicator of the sustainability of the rural commercial banks,and then introduces the background and current situation of the rural commercial banks in Hunan province.And the development of various light assets business,and discussed the impact of developing intermediary business on the sustainability of agriculture and commercial banks,and put forward the main problems of carrying out light assets and supporting agriculture.Finally,based on the theoretical analysis of the above qualitative analysis and the current situation of carrying out light assets and supporting agriculture in rural commercial banks,different economies are designed.The rural commercial banks in the developing areas carry out the model of the crowding out effect of the light asset business on the situation of their supporting agriculture,and use the selected samples of Hunan agricultural commercial banks to carry out the regression estimation to detect the crowding out effect of the rural commercial banks on the strength of the supporting agriculture by the light asset business,and according to the empirical results,it is aimed at the different development process.The regional agricultural and commercial banks carry out various light assets businesses,and put forward some suggestions for the.light assets reform of rural commercial banks and the decision-making of intermediary business.The empirical results show that with the increase of non credit income,the development of the light asset business does have an extrude effect on the agricultural and commercial banks' deposit and loan business,and the difference tends to be different from the business.In the underdeveloped areas,the bank card business and settlement business will.increase the proportion of the agricultural loans to a certain extent.However,this effect is not significant in developed areas,and the investment and trading business of the developed regions also has a significant extrude effect on the strength of supporting agriculture,but there is a small positive relationship between investment and transaction in underdeveloped areas.Based on the qualitative and quantitative analysis above,the following suggestions are put forward to the light assets business of rural commercial banks.First,the rural commercial banks need to grasp the extent of carrying out light asset business according to their own and rural economic actual conditions,and to carry out the light asset business appropriately to improve the competitiveness,and the excessive development will guide the rural commercial banks.The efforts of agricultural and commercial banks to support agriculture have been weakened.Second,the rural commercial banks should optimize the structure of the light assets business and expand the business which is beneficial to increase the strength of the agriculture,and reduce the proportion of the business that pursues the profit purely as the goal.Third,the degree of development of light assets in rural commercial banks should vary from region to region.