Research On The Status Quo And Development Countermeasures Of Rural Commercial Bank's Service Of "agriculture, Rural Areas And Farmers"

For 16 consecutive years,China’s Central Committee No.1 focused on agriculture,rural areas and farmers,and the efforts of agricultural commercial banks to support agriculture and benefit agriculture have also been increasing.Throughout every important period of China’s economic development,rural credit cooperatives play an important role and efficiency in rural financial services,and play an active role in promoting the development of agriculture,the prosperity of rural areas and the prosperity of farmers.In 2012,under the strong promotion of provincial cooperatives and offices,under the policy guidance and key support of the provincial and municipal governments,the Yuci Agricultural Commercial Bank focused on the needs of agricultural transformation and development,and vigorously implemented the "Action Plan for Agricultural Credit Social support for the benefit of Agriculture to the people".We have steadily promoted the "leading drive project",focused on "youth entrepreneurship projects",provided financial services to farmers and agriculture-related industries in the whole region,and effectively supported the economic and social development of Yuci district.However,in the development of many years,a series of problems are gradually exposed,such as poor rural financial credit,often bad debt default,agricultural and commercial bank products are single,can not meet the diversified needs of farmers.The poor service consciousness and the low satisfaction degree of farmers restrict the development of agricultural commercial bank to a certain extent.Therefore,taking the research object of Yuci’s agricultural business behavior as the research object,this paper objectively analyzes the present situation of the agricultural commercial bank’s service of "three rural areas",and puts forward some scientific and reasonable improvement suggestions to promote the Yuci agricultural commercial bank to consolidate the "three rural" market more effectively.Serving the development of "agriculture,countryside and farmers" has reference significance.Based on the research object of agricultural business behavior in Yuci,through collecting data and consulting documents,this paper makes an understanding of the present situation of agricultural development in Yuci district and the status quo of "agriculture,rural areas and farmers" served by agricultural commercial bank.And deeply analyze many problems existing in the process of serving "agriculture,countryside and farmers" by agricultural and commercial banks and the causes of the problems.Finally,through drawing lessons from the development experience of other countries,this paperputs forward some countermeasures and suggestions to promote the promotion of Yuci Agricultural Commercial Bank’s ability to serve "Agriculture,Countryside and Farmers".