Research On The Problems And Countermeasures Of The Development Of The Micro-loan Service Of Baoshang Bank D Sub-branch In The Development Of "agriculture, Rural Areas And Farmers"

The issue of agriculture,rural areas and farmers has always been an important issue that has plagued the sustainable development of China's rural economy.In particular,in the complete victory phase of building a well-to-do society,the effective solution of the “three rural issues” has become the key.Accelerating the strategic adjustment of the agricultural structure and promoting the development of agriculture and rural economy all require rural financial support.Rural financial support is an important means of building a new socialist countryside and solving the "three rural issues." This article systematically studies related theories and the status quo of the development of D-subsidiaries of commercial banks and commercial banks,and uses the conditions,financial policies,and institutional mechanisms to maximize the use of D-subsidiary micro-lending business services provided by Baoshang Bank Limited."Development as a goal has systematically studied and solved the problem of financing difficulties for the local farmers,fully implemented the "three rural" service,and promoted the importance of inclusive finance.Taking the D-subsidy rural household micro-credit business as an example,this paper attempts to explore new ways for commercial bank micro-loan business to serve the development of “agriculture,rural areas and farmers”,effectively solve the financing difficulties and financing problems in the development of “three rural issues” in China.The main contents of this article are as follows: First,based on the concept overview,including the concept of "three rural",the definition of micro-enterprise,the definition of agriculture-related micro-lending business,and the definition of a new type of rural financial organization.The second is the introduction of related theories,including the theory of rural financial development,credit ration theory,and inclusive financial system theory,and the relationship between these theories and agriculture-related microfinance businesses.Thirdly,the necessity of the development of “three rural issues” in the D-subsidiary micro-loan business of Baoshang Bank Limited was introduced.From the development of “agriculture,countryside and farmers” in D region,the credit demand of farmers was high,and the financial institutions in D-region served the development of “agriculture,rural areas and farmers”.There are limitations and the internal demand of the reform and innovation of the Baoshang Bank Limited to analyze the necessity of the D-subsidiary of the Bank of China Merchants Bank to develop agriculture-related microfinance.The fourth is to analyze the current situation and problems of the development of “three rural issues” in the service of D-subsidiary micro-loan business of Baoshang Bank Limited.Firstly,the status quo of the current micro-loan business development of the D-subsidiary of Baoshang Bank Limited was elaborated from the development of the D-subsidiary of the Baoshang Bank Limited,the agriculture-related micro-lending products,business operation modes,and business processes.Secondly,the D-subsidiary of the Baoshang Bank Limited was analyzed.The problems in the development of business services,agriculture,rural areas,and farmers are mainly related to the types of products and financial services of agriculture-related microfinance,which results in lack of competitiveness in the industry;the number of branches and personnel in D branches is relatively insufficient,resulting in failure to meet agriculture in the region.Demand for microfinance;Credit,natural disasters,force majeure and market risks for agriculture-related microfinance businesses;High cost of agriculture-related loans;Fierce competition in agriculture-related loans with the industry;Operational management cannot satisfy the development of D-subsidiaries;More borrowing.Fifth,it put forward the countermeasures to improve the development of “three rural issues” in the D-subsidiary micro-loan business of Baoshang Bank Limited.Finally,it is concluded that the development of the "three rural" development of the D-subsidiary micro-loan business of the Baoshang Bank Limited is conducive to the solution of the "three rural issues",the prosperity of the rural areas,and the completion of a well-off society.This article uses the literature analysis method,data analysis method,investigation method and comparative analysis method.The research in this article provides some reference for the support of other sub-branches and other financial institutions of the Baoshang Bank Limited for supporting the development of agriculture,rural areas and farmers.At the same time,it will provide some useful explorations to promote the development of the “three rural issues” in the region and promote the construction of new rural areas in the region.