Research On Financial Service Optimization Of XS Rural Commercial Bank Under The Background Of "Farmers Become The Citizens"

In recent years,with the accelerated evolution of “rural hollowing out”,more and more “peasants have become citizens”,the basic customers of rural commercial banks have been seriously lost,the number of rural outlets and the average daily business volume have continued to shrink,and the comprehensive contribution of rural outlets The continuous decline has had a huge impact on the sustainable development of the business of the Rural Commercial Bank.If we do not attach great importance to it and take effective measures,it will seriously shake the development foundation of the rural commercial banks,weaken the development potential of the rural commercial banks,and even threaten the survival and development of the rural commercial banks.How to better meet the financial needs of farmers’ citizenization,whether it is to achieve the "rural revitalization" strategy or promote the development of agribusiness banking,will play a decisive role,to achieve sustainable and high-quality development of rural commercial banks important strategic significance.In the research process,this paper mainly adopts the combination of logic and history,the combination of macro and micro,the combination of typical and comparative,and the combination of qualitative and quantitative.Through the above methods,the main contradictions and causes of rural financial supply and demand in the process of “peasants becoming citizens” are analyzed,and the dilemmas and problems of rural small and medium-sized financial institutions in dealing with the “peasants becoming citizens” are summarized.The effective path of sustainable development of rural small and medium-sized financial institutions in the context of farmers becoming citizens.This paper mainly studies how the rural commercial banks can enhance their core competitiveness and solve the development problems in the process of rapid urbanization,when the financial needs of “peasants become citizens” are limited.The main context is: first introduce the macro-policy of domestic urbanization construction and its construction process,then analyze the development dilemma of small and medium-sized financial institutions under the new urbanization construction,and then select the development structure framework model and conduct empirical analysis in combination with the characteristics of rural commercial banks,and finally An empirical analysis of how the rural commercial banks can meet the financial needs of the “peasants become citizens” and achieve sustainable development.