Study On Optimizing Rural Inclusive Financial Service Of M Bank In Changchun,Jilin Province

At the 19 th CPC National Congress,the three-step master plan for rural revitalization strategy was put forward,and solving problems related to agriculture,rural areas and farmers was elevated to the level of national strategic goals.Whether rural financial services can benefit rural areas and meet the financial needs of farmers’ operation and development and rural infrastructure construction plays a decisive role in the consolidation of poverty alleviation achievements,the construction of modern agricultural industrial system and the completion of rural agricultural modernization.Rural financial services need to better solve the financing and credit needs of farmers and small and micro enterprises related to agriculture through the joint cooperation of the government,functional departments and financial institutions,so as to achieve the impetus of regional agricultural economy,and finally achieve the goal of common prosperity of urban and rural areas and common prosperity of people.How to better promote the inclusion of rural financial services,financial institutions combined with rural financial needs to keep pace with the times to improve and innovate financial service products.While updating and improving rural financial supply,it is also the social responsibility that financial institutions should fulfill to make rural residents dare to borrow,want to borrow and be able to borrow,and improve the overall hematopoietic capacity of financial support for rural areas.Based on this,the paper takes Marx’s concept of social justice and the concept of shared development as the theoretical basis,theory guides practice,,through the research on the development strategy of rural inclusive finance in Changchun,suggestions are provided for the following rural inclusive finance practice of M BANK,and practical references are provided for grassroots financial institutions to promote financial inclusion in rural areas.First,this paper introduces the M bank country pratt ＆whitney financial service,summing up the experience of M bank country pratt ＆whitney.Next,introduce the current situation of inclusive finance in Rural areas of Changchun from four aspects of population,industry,policy and financial environment,analyze the shortcomings of Changchun M Bank in rural inclusive financial services,and then puts forward the development strategy of rural inclusive financial services to be implemented by M Bank in the future.In the aspect of industry,rural resources should be optimally allocated through financial guidance;In terms of policy,Make full use of government guidance and integrate policies into financial services in terms of policies;Optimize the financial environment through financial knowledge popularization.