Transformation And Development Of Credit Business Of Rural Commercial Banks Under The Influence Of Inclusive Financial Policy

At present,inclusive finance has become an important development strategy of the country.With the continuous improvement of the country's policies and systems on inclusive finance,rural inclusive finance,which is the core of inclusive finance,has also made great progress.If we want to strengthen the overall financial service capabilities and levels in various related fields,we should start from weak areas such as “agriculture,rural areas,farmers,and small and micro enterprises”,and this issue has been mentioned in the report of the 19 th National Congress of the CPC.The 2018 Central Document No.1 also clearly stated that timely and effective financial services should be provided for small and micro enterprises,remote areas,low-income groups,and scattered farmers,with rural areas as the core area of HP Finance.The development of inclusive finance is extremely beneficial to broadening the coverage of financial services and optimizing the availability of financial services.At the same time,it can promote social equity,help alleviate the growing demand for financial services and the imbalance in financial supply.The contradiction,especially the development of inclusive finance in rural areas,has a significant and far-reaching impact on the construction and development of China's rural economy.The development of rural Hewlett-Packard Finance and the implementation of related policies should be dominated by rural financial institutions,and rural commercial banks are the most representative rural financial institutions.influences? How should the rural commercial bank's credit business be transformed to meet the needs of the inclusive financial market while promoting its own development,so as to achieve a win-win effect?This article's research on Hewlett-Packard Finance mainly starts from two aspects: on the one hand,based on the current research status of Hewlett-Packard Finance at home and abroad,analyzing and summarizing domestic and foreign inclusive finance,microfinance models and their practical experiences and lessons;the second aspect It is based on the inductive analysis of the current theories about the impact of inclusive finance on the rural economy and society,through the investigation and implementation of an example of the implementation of inclusive financial policies by a rural commercial bank in Jiangsu(this article mainly refers to inclusive microfinance policies).Analysis to analyze the impact of inclusive financial policies on rural commercial banks,farmers,and local economic and social development.Through the analysis of the above two aspects,this article draws the following conclusions: In the process of implementing inclusive financial credit policies,rural commercial banks can achieve a win-win situation that can meet the needs of inclusive financial markets and promote their sustainable development.The credit business must be transformed from the following aspects: first,the rural commercial bank's credit business is transformed from general to inclusive;second,the rural commercial bank's credit service mode is transformed from passive service to active service;third,rural Commercial banks' credit products and loan methods are transforming to diversification.Lastly,based on the analysis of the impact of Inclusive Finance on rural commercial banks,farmers,and local economic and social development,it puts forward its own suggestions and opinions on the specific measures that rural commercial banks need to take to transform their credit business.The specific implementation of inclusive finance microfinance policies varies from financial institution to institution,and the effects of the policies are also different.The related suggestions made in this paper are research on how to transform the credit business of rural commercial banks to actively respond to inclusive finance microfinance policies and Promoting its own transformation and development is of reference significance.