Research On The Support Of Hunan Rural Commercial Banks To "Agriculture,Countryside And Farmers"

With the rise of inclusive financial theory,the rural economy in China has developed rapidly,and the issue of "agriculture,countryside and farmers" has gradually become prominent and attracted wide attention.The issue of "agriculture,countryside and farmers" has always been a major development issue related to the reform,opening up and modernization of the country.The strategy of "rural revitalization" first proposed in the report of the Nineteenth National Congress of the Communist Party of China provides effective policy support for solving the problem of "agriculture,rural areas and farmers",which is commonly referred to as agriculture,rural areas and farmers.The essence of solving the problem of "agriculture,rural areas and farmers" well is to achieve strong agriculture and agriculture.The goal of rural beauty and peasant wealth.Firstly,this paper combs the relevant theories of rural finance at home and abroad,analyses and sorts out the problems and difficulties encountered by rural financial institutions in serving "agriculture,countryside and farmers".Then,according to the relevant theories of rural finance,taking Hunan rural commercial banks as the research object,this paper discusses the current situation,existing problems and causes of Y rural commercial bank serving "agriculture,countryside and farmers".Then,it explores how the loan that rural commercial bank and non-rural commercial bank invest in S County affects the rural economic development and the income of farmers,and finds that in the long run,rural commercial bank does have a significant positive impact on them,mainly because the investment of loans is much higher than other local non-agricultural commercial banks,so that funds can be effectively used in the development and construction of rural economy.Finally,based on this,this paper puts forward some countermeasures and suggestions on how to improve the service level of rural commercial bank to "agriculture,countryside and farmers",including: defining the market orientation and improving internal management system;strengthen financial science and technology innovation;Introduce talents and absorb advanced management experience;Establish and improve the rural financial service system;improve the rural credit environment and so on.