Research On Development Measures For G Rural Commercial Bank To Serve The Agriculture,Rural Areas And Farmers Under The Background Of Rural Vitalization

The Strategy of Rural Vitalization(SRV)is a major historical task in the new era of socialism with Chinese characteristics.Its five requirements of " thriving businesses,pleasant living environments,social etiquette and civility,effective governance,and prosperity" are of epoch-making significance to the development of " agriculture,rural areas and farmers".With SRV's continuous advancement,policies and economic situations faced by “agriculture,rural areas and farmers” will be greatly improved,and financial institutions will also have better credit environment and more favorable conditions while serving “agriculture,rural areas and farmers”.Meanwhile,with the increase of supporting policies in rural financial field,Rural Commercial Banks will face more fierce competition in rural finance.In this study,G Rural Commercial Bank is taken as the main research body;Based on The change of policy environment under the background of Rural Revitalization,such as property system reform and the development of agricultural insurance system,guarantee system construction,and the rural financial infrastructure construction,and taken the rural financial theory,financial repression and financial deepening,financial exclusion and inclusive finance as the theoretical guidance,this paper studies the development countermeasures of G Rural commercial Bank.In this way,G Rural Commercial Bank can better serve“the agriculture,rural areas,and farmers” under the new background and realize its own development goals.First,through studying policies,this thesis points out the developing direction of rural vitalization,and the changes brought to the agriculture,rural areas,and farmers,so that the direction for the financial institutions to serve “the agriculture,rural areas,and farmers” is established.Second,the paper introduces the basic theories of finance related to the research,summarizes the weaknesses and difficulties of current rural finance,and points out that financial services for “the agriculture,rural areas and farmers have a positive effect on rural economic growth and farmers' income.In order to effectively avoid the weakness of rural finance and solve the contradiction between supply and demand of rural financial market,the article takes the advanced policies and effective practices of rural finance as references from developed countries such as the United States,Japan,developing countries such as India,Mexico and China's Luqiao rural commercial bank and Yueqing rural commercial bank.Then by analyzing the current situation of G rural commercial bank's financial services for “the agriculture,rural areas and farmers”,as well as the various credit measures and service measures in the process of serving “the agriculture,rural areas and farmers”,this paper points out the existing problems and the causes of the problems in G rural commercial bank's services for “the agriculture,rural areas and farmers”.Finally,based on the SWOT analysis model,combined with the opportunities and challenges brought by the development of G city's agriculture,rural areas and farmers under the background of rural revitalization,considering the advantages and disadvantages of G agricultural commercial bank,this paper puts forward that G agricultural commercial bank should choose the “SO” strategy,and three major development measures for G Rural Commercial Bank to serve the “agriculture,rural areas and farmers” are proposed: The first is to tighten the financial policy in rural areas and broaden the scope of financial services;The second is to develop Inclusive Finance and improve the depth of rural financial services;The third is to focus on the construction of rural credit system and effectively reduce the risk of information asymmetry.