Research On Innovative Development Of Agricultural Microfinance Of QZ Branch Of Guangxi Postal Savings Bank

QZ Branch of Guangxi Postal Savings Bank was established in 2008,which is a comprehensive retail bank.In the course of more than ten years’development,we have been adhering to the concept of "serving agriculture,countryside,small and medium-sized enterprises and community",actively responding to national policies,and constantly strengthening rural financial services,especially micro-loan services for agriculture.In recent years,some achievements have been made in the innovation of products and services of micro-loans for agriculture.However,there are still some problems,such as incomplete internal innovation mechanism,single incentive measures for innovation and lack of innovative talents,which lead to the lack of adaptability,timeliness and core competitiveness of existing micro-loans for agriculture.This paper combines theoretical and empirical research,determines the research framework and research methods of this article on the basis of studying domestic and foreign literature.Starting from the current situation of agricultural loans of QZ Branch of Guangxi Postal Savings Bank,this paper analyses the realistic motivation of innovation of agricultural micro-loans of QZ Branch of Guangxi Postal Savings Bank from the internal and external environment,and studies agricultural support by analyzing the necessity,content and risk of innovation.Feasibility of innovative development of micro-credit,from the external environment combined with the characteristics of local rural economy and the policies of supporting agriculture and benefiting farmers,and on this basis,drawing on the excellent practices and experience of the same industry,put forward innovative direction and countermeasures and suggestions of QZ Branch of Postal Savings Bank for supporting agriculture micro-credit.The QZ Branch of Guangxi Postal Savings Bank should take into account the actual characteristics of the local economy of agriculture,countryside and farmers,study in-depth the Innovative Development Countermeasures of micro-loans for agriculture,improve the internal environment of innovation and the supporting mechanism of innovation,improve the risk prevention and decentralization mechanism,and introduce and cultivate innovative talents,so as to improve the level of innovation and innovation efficiency,build an effective innovative system of micro-loans for agriculture,and develop it.New model of micro-loans for agriculture,innovative new types of micro-loans for agriculture,create a brand of micro-loans for agriculture,enhance the practicability and efficiency of micro-loans for agriculture of QZ Branch,further strengthen the support for agriculture,and help the development of the local economy of agriculture,rural areas and farmers.