Characteristics Of "One Village,One Product" In Wuhua County,Guangdong Province Research On Agricultural Development

With the continuous acceleration of financial depth and financial breadth and the rise of Internet finance,the market competition of domestic banks is increasingly encouraged.As a policy-based bank,the inherent development model of Agricultural Development Bank makes it extremely lack of customer management experience and methods,resulting in the threat of customer loss,and even weakening the governance effectiveness of local governments.Improving customer satisfaction is an important means to maintain the source of customers,improve the quality image of the Agricultural Development Bank,and promote government governance.However,the"state-owned nature" of the Agricultural Development Bank is often criticized by the people,and the image and reputation of the bank are questioned.Therefore,it is important to analyze the current situation of customer satisfaction of the Agricultural Development Bank and find out the way to improve customer satisfaction of the bank.The Agricultural Development Bank AD Branch,bearing the economic fiduciary responsibility of 8 million children of the Red City,wholeheartedly serves the three rural areas and contributes to the rural revitalization of the old revolutionary base of Zunyi.Therefore,it is of typical representative significance to select the Agricultural Development Bank AD Branch as the research object.The article uses the knowledge of economics,finance,finance,taxation,development economics and other related disciplines to conduct a comprehensive and systematic research on the customer satisfaction of the Agricultural Development Bank AD Branch by using the literature research method,survey research method and empirical analysis method.This paper first puts forward the urgency of research from two aspects of reality research and literature review,and then analyzes the theoretical basis of bank customer satisfaction evaluation from three aspects of concept,necessity and evaluation method.Then,starting from practice,taking the Agricultural Development Bank AD Branch as an example,it deeply analyzes the current situation of customer satisfaction of the Agricultural Development Bank AD Branch,and then uses the fixed effect model(FE)model of econometrics,Based on the empirical analysis of the influencing factors of customer satisfaction of Agricultural Development Bank AD Branch,the paper puts forward policy recommendations from three aspects:optimizing service supply,optimizing product supply,and optimizing external environment.Finally,it explains the research conclusions and shortcomings of this paper.The research results show that,first,the customer satisfaction score of Agricultural Development Bank AD Branch shows a rising trend,but there are significant differences between the internal structure,regional grouping,and loan types.Specifically,in terms of internal structure,corporate image and value perception score the highest;In terms of regional grouping,the central urban area scored the highest;In terms of loan type,agricultural comprehensive development scored higher,but the coefficient of difference between groups was not significant.Second,employee education,training times,evaluation intensity and precise product delivery are really important factors that affect customer satisfaction,while employee age has no significant impact on customer satisfaction.This conclusion is still valid after passing a series of robustness tests.Third,LMDI decomposition shows that the impact of precise investment,employee education,evaluation intensity and training frequency on the customer satisfaction of Agricultural Development Bank AD Branch is 35.1%,25.4%,24.9%and 14.6%respectively,reflecting that it is essential to grasp customer needs,accurately launch products,improve employee education,and do a good performance evaluation to improve customer satisfaction of banks.The research in this paper has important reference significance for how to improve the customer satisfaction of policy banks,improve the image of the public sector,and promote national governance.