| In the strategy of rural revitalization,industrial prosperity is the foundation and fundamental.The revitalization of rural industries cannot be separated from the participation and support of social organizations such as governments and enterprises,let alone the services and support of rural financial institutions.In the process of promoting the revitalization of rural industries,new business entities will inevitably be cultivated and new financial needs will emerge,which objectively puts forward higher requirements for China’s rural financial system.As the vanguard and main force of financial poverty alleviation and support for the revitalization of rural industries,rural financial institutions undertake the political mission of serving "agriculture,rural areas,and farmers" entrusted by the Party Central Committee and the State Council,and have the historical tradition and unique advantages of serving "agriculture,rural areas,and farmers".Serving rural revitalization with all efforts is not only a political responsibility entrusted by the central government,but also a historical opportunity given by the times.Guided by the basic theories of public management,this article selects the Tianshui Maiji Rural Cooperative Bank as the research object,and adopts research methods such as data access,interviews,and field surveys to deeply explore the problems existing in the service of the Tianshui Maiji Rural Cooperative Bank in the revitalization of rural industries.Through investigation and research,it is found that the assessment indicators issued by the Maiji District Government are not flexible,the service capacity of the Tianshui Maiji Rural Cooperative Bank outlets is insufficient,the implementation of physical mortgages is difficult according to regulations,and the phenomenon of loan fraud and malicious debt evasion is prominent.On this basis,it is analyzed that the reasons for the above problems of Tianshui Maiji Rural Cooperative Bank include high pressure on policy credit indicators,poor rural financial environment,weak farmers’ credit awareness and contract awareness,pre loan basic research,and poor post loan management.Finally,countermeasures and suggestions are proposed from such aspects as creating a good rural credit environment,strengthening the construction of financial talent teams,creating excellent service teams,building a good environment for the development of rural financial institutions,accelerating the pace of rural financial service innovation,and continuing to increase the investment of agricultural loans.This article attempts to help solve the difficulties encountered by the Tianshui Maiji Rural Cooperative Bank in serving the rural industry revitalization,and improve the ability and level of the Tianshui Maiji Rural Cooperative Bank in serving the rural revitalization construction,with a view to enriching the research results of rural financial institutions in serving the rural industry revitalization,and providing reference for the in-depth implementation of rural financial institutions in how to serve the rural revitalization strategy. |
