Research On Rural Credit Cooperative Support Issues In HN Province Under Inclusive Financial Objectives

For a long time,the Party Central Committee and the State Council have attached great importance to the development of China's "three peasants and peasants",while the development of "three peasants and peasants" has not opened financial support.Therefore,in recent years,the pace of rural financial reform in China has been further accelerated,with a clearer approach to the small work of supporting rural areas with the goal of "inclusive finance",and more and more financial institutions and resources have been tilted to rural areas.This has injected vitality into the rapid development of the rural economy.Facing the new competition pattern in the rural market,rural credit cooperatives in HN province,as the main force of rural finance in the province,are experiencing various impacts and challenges,and are also facing unprecedented opportunities.In the face of the unpredictable domestic and external economic and financial environment,rural credit cooperatives in HN province need to strengthen the rural market by deepening institutional reforms and transforming business mechanisms to continuously increase financial coverage,financial availability and service satisfaction in rural areas.We will give full play to the role of "blood transfusion" in supporting rural economic development.Based on the goal of "inclusive finance",this study makes comprehensive use of theoretical literature,statistical analysis,and case studies to study the problem of credit support for rural credit cooperatives in HN province,and provides theoretical reference for rural credit cooperatives in HN province to carry out credit support business better.Specifically,this study is guided by the theory of inclusive finance and the theory of inclusive financial goals.This paper summarizes and analyzes the basic situation of rural credit cooperatives in HN province,the personnel coverage of financial outlets,the financial assistance received by vulnerable groups such as farmers and small and micro enterprises,the innovation of financial products and services,and the satisfaction of customers.While acknowledging the contribution of rural credit cooperatives in HN Province to agricultural development,It is pointed out that the distribution of institutional personnel in the process of supporting agriculture is uneven,the threshold for customers is too high,the innovationconsciousness and ability are insufficient,the quality of financial practitioners is not high,and the financial knowledge propaganda and education are not enough.Under the condition that we find out our own problems,this study has selected some classic cases from some domestic and foreign financial institutions that started early,succeeded in their practices,experienced,and operated model,and extracted their key successful practices.This lays the foundation for the targeted design of solutions.Finally,based on the reality of rural development in HN province,several suggestions are put forward,including:(1)The construction of Jinrongjichu facilities;(2)Improving inclusive financial systems;(3)Accelerate the transformation of inclusive financial development models and product innovation;(4)Improving the inclusive financial education system;(5)Establish a strategic plan for inclusive finance,and at the end of the study,summarize the research and outlook for future research.