Research On The Evaluation Of Financial Services For Agricultural Small And Micro Enterprises Of G Bank

In recent years,with the deepening of the work and research,the improving service capabilities for small and micro enterprises has become an important task that has been valued by various banks and financial institutions.As an important component of rural economic development,agricultural small and micro enterprises’access to financial services from banks to a certain extent reflects the level of inclusive finance provided by banks,and also reflects the advantages and disadvantages of the financial environment faced by the development of agricultural small and micro enterprises.On the basis of theoretical research related to financial development,this article takes the theory of financial exclusion as a perspective for discovering problems,fully combines the theory of financial supply and demand with the theory of financial exclusion,selects financial service data of case banks’ agricultural small and micro enterprises,and constructs the IFE financial exclusion index for the service content and related factors of case banks’ agricultural small and micro enterprises through the six dimensions of financial exclusion.Through statistical yearbooks Literature data and case banking business data such as banking business data system selects 26 provinces(municipalities and autonomous regions)covered by Bank G by the end of 2021,a total of 874 service outlets(excluding non agriculture related regional institutions),and analyzes and compares the relevant service data of agriculture related small and micro enterprises from 2012 to 2021,forming 212 groups of provincial statistical panel data and calculating the financial exclusion index and change trend of Bank G.At the same time,based on the main data of G Bank’s customer information survey,a total of 7110 valid data samples were selected from 711 agricultural small and micro enterprises with an increase of over 150%in their exposure limit at the end of the period compared to the beginning of the period(statistical period 2012-2021)for service level impact factor analysis.Obtain the degree of exclusion of banking and financial services to small and micro agricultural enterprises in the case study,and identify the significant factors that have a significant impact on exclusion through the strength of exclusion in various dimensions.On this basis,using the theory of financial supply and demand,the financial services of small and micro enterprises related to agriculture in banks are analyzed from three aspects:supply,demand,and society.The reasons for the exclusion factors are analyzed,and the following three main conclusions are drawn:the information asymmetry between banks and small and micro enterprises related to agriculture restricts banks’ ability to improve services.Firstly,the main body,target audience,and market situation of G Bank’s financial services for agricultural small and micro enterprises are improving,which is conducive to the improvement of the level and quality of financial services for these enterprises.Secondly,G Bank still faces some problems in providing financial services for small and micro agricultural enterprises.This includes the incomplete construction of the financial service system for small and micro agricultural enterprises,the lack of mutual promotion and support among the four major services of deposit,loan,remittance,and consultation,and the insufficient ability to grasp the information of service recipients.Thirdly,in response to the various problems in G Bank’s financial services for agricultural small and micro enterprises,countermeasures and suggestions have been proposed to improve G Bank’s financial services for agricultural small and micro enterprises.For example,building an information communication platform and leveraging the government’s coordinating role;Innovate financial products and services,and strengthen information communication capabilities from the perspectives of banks and enterprises.