Research On The Countermeasure Optimization Of Credit Service "Agriculture,Rural Areas And Farmers"of Z Rural Commercial Bank

The year 2020 will be the year when the goal of building a moderately prosperous society in all respects is achieved.The rural revitalization strategy is to make up for the shortcomings in the areas of "agriculture,rural areas and farmers",which is not only related to whether China can fundamentally and thoroughly solve the problem of dual economic structure,but also related to whether China can fully release the potential of rural development and achieve the overall healthy and sustainable development of the economy.Small and medium-sized financial institutions in rural areas shoulder the historical mission of developing inclusive financial services in rural areas.They need to invest credit mainly in customers of "agriculture,rural areas and farmers",poor and low-income customers,small and micro business owners,etc.,so as to promote the comprehensive and balanced development of rural areas in China.This paper studies the main content of the is from the perspective of rural financial institutions,through to the Z Rural Commercial Bank credit developments on the empirical analysis of the carding domestic and foreign related research literature and theory,on the basis of market positioning,market failure,the dual economic structure and related economic theory,discusses the current Z bank under the background of implementing the comprehensive well-off credit support "agriculture,rural areas and farmers" the present situation of the operation and development,and the integrated use of literature analysis,comparative analysis,case analysis,in-depth study of rural financial institutions to implement the credit service "agriculture,rural areas and farmers" operation condition and effects and problems existing in the actual operation.For Z Rural Commercial Bank in the credit to the positioning of deviation,in the service "agriculture,rural areas and farmers",small micro enterprise scale is small,the agriculture involved small problem such as micro loan risk control remains to be strengthen,find the problems of deep level reasons,and put forward further standardize Z Rural Commercial Bank credit service "agriculture,rural areas and farmers" business development countermeasure,expect to boost rural revitalization of the implementation of the strategy of other rural financial institutions,financial support to build a well-off society in an all-round way provides certain academic reference value.