The Rural Bank Of Xiangxi Changsha Bank Under The Rural Revitalization Strategy Credit Business Optimization Research

The rural revitalization strategy is a major strategy.It puts forward by the party's 19th National Congress to achieve the goal of "two hundred years".It is the overall and historical task of building a socialist modernized country in an all-round way.It is the general program and the overall grasp of the work of the "three rural issues" in the new era.As a people's bank based on the county,rooted in the land,and serving the"three rural",helping the rural revitalization,serving the three rural customers,and building a beautiful home is the unshirkable responsibility and mission of the rural bank of Xiangxi Changsha Bank.At the same time,the implementation of the rural revitalization strategy pointed out the business direction for the development of the rural bank of Xiangxi Changsha Bank,and brought a rare historical development opportunity.However,the rural bank of Xiangxi Changsha Bank,as a small commercial bank,has a profit-oriented business model that has caused its credit business to shift during the development process.Then,how should rural banks plan their credit business to better support the rural revitalization strategy,and effectively prevent and control risks in the process of conducting credit business,and gain more long-term development becomes more important.Based on this,this paper studies the credit business of the rural bank of Xiangxi Changsha Bank,under the rural revitalization strategy,and finds that the credit business of the rural bank of Xiangxi Changsha Bank has achieved certain results in supporting the rural revitalization process:credit supply is increasing,credit products Innovative,the establishment of rural grassroots service outlets,and precision poverty alleviation.However,there are also a series of problems:rising bank loan costs,weakening the service of agriculture,rural areas and farmers,weaker ability to withstand risks,limited management and over-emphasis on scale enterprises,drifting of bank missions,lower professional quality of employees,and the image of banks themselves.Loss and real estate loans have a high proportion,and the loan structure is difficult to optimize.This paper believes that there are five reasons for these problems in the credit business of the rural bank of Xiangxi Changsha Bank:the lack of bank credit products,the imperfect rural financial service platform,the relative lack of loan collateral,the lack of incentives for employees,and the existence of credit funds.Interesting." On this basis,this paper optimizes according to the problems existing in the credit business of the rural bank of Xiangxi Changsha Bank,including:innovatively promoting financial products that serve the rural revitalization strategy,strengthening the scientific and technological support of the banking service rural revitalization strategy,strengthening county branches and township outlets.The service function,the establishment of a mortgage guarantee system for the rural revitalization project,and the strengthening of the resource allocation and performance appraisal of the county branch.At the same time,in order to better implement the credit business plan,we will guarantee the organization,talents and funds.This paper systematically analyzes and considers the status quo and problems of the credit business of the rural bank of Xiangxi Changsha Bank in supporting the rural revitalization strategy,and proposes the corresponding credit business optimization plan.It is hoped that the research of this paper can be the rural bank of Xiangxi Changsha Bank.The credit business provides corresponding reference when serving the rural revitalization strategy.