Research On The Problems Of "Agriculture,Rural Areas And Farmers" Served By Commercial Banks In Jiangxi Province Under The New Situation

In recent years,the unstable factors affecting social and economic development,the economy faced greater downward pressure,coupled an outbreak of the COVID-19 with the end of 2019 and an expansion of the financial risk.It puts forward higher request to the survival and development of the Banks and other financial institutions,commercial Banks need to integrate internal resources,adjustment of financial development direction,Meet market risks and challenges smoothly.In this stage of development,China’s "agriculture,rural areas and farmers" problems also appear more serious,how to effectively solve the domestic "agriculture,rural areas and farmers" problems through policy adjustment and the support of financial institutions,is the key to China’s social and economic development and the construction of a harmonious society.In order to better solve the problems of "agriculture,rural areas and farmers" nationwide and let the working people in rural areas completely get rid of poverty,relevant departments put forward the idea and relevant policies and measures to serve "agriculture,rural areas and farmers" through commercial banks and other financial institutions.Based on the above new situation background and the national policy requirements for the development of "agriculture,rural areas and farmers",this thesis takes Y Bank of Jiangxi Province as an example to make an in-depth discussion and analysis on the business development and existing problems of Y Bank during the rural service in the rural and township areas of Jiangxi Province.This thesis combines the relevant research results of scholars and analysts from commercial banks at home and abroad on the service of "agriculture,rural areas and farmers" under the current situation,and obtains the measures and plans that commercial banks should take to promote the development of local "agriculture,rural areas and farmers".The research content of this thesis mainly includes the following parts:The first part discusses the research background,research significance,domestic and foreign literature data,research content and research methods,and the research innovation points and shortcomings of this thesis.The second part expounds the concepts and theories used in this thesis.The concepts applied during the research period of this thesis mainly include: "agriculture,rural areas and farmers",bank financial services,bank credit business.The theoretical content used in this thesis includes: financial deepening theory and rural finance theory.The third part,for the overall situation of commercial bank service "agriculture,rural areas and farmers" enterprise,including the general situation of agricultural development in Jiangxi province,and the present situation of agricultural supply side structural reform,and expounds the commercial bank service "agriculture,rural areas and farmers",respectively,involving the overall development characteristics of commercial bank service "agriculture,rural areas and farmers" specific measures,the commercial bank service "agriculture,rural areas and farmers",and the commercial bank service "agriculture,rural areas and farmers" in Jiangxi province.The fourth part expounds the cases of Y Bank serving "agriculture,rural areas and farmers",including the business type and development of Y Bank,the actual situation of Y Bank serving "agriculture,rural areas and farmers",and the problems existing in Y Bank in serving "agriculture,rural areas and farmers".In the end,the countermeasures of commercial banks in Jiangxi Province to serve "agriculture,rural areas and farmers areas and farmers",including: deepening financial technology empowerment,improving the level of rural financial services,establishing credit risk identification mechanism,improving credit risk prevention and control ability,increasing Jiangxi Provincial government policy support for Bank Y,adjusting the business direction of Bank Y Bank,etc.