Optimization Strategy Of Rural Loan Business In Rural Commercial Bank Under The Background Of Rural Revitalization

The report of the Party’s 20th National Congress pointed out that the most arduous and onerous task of building a modern socialist country in an all-round way is still in the countryside.Issues concerning agriculture,rural areas and farmers bear on the national economy and people’s livelihood.To address these issues as the focus of the whole Party’s work,we must deepen the rural revitalization strategy,develop industries with rural characteristics,and expand channels for farmers to increase their incomes and get richer.Under the background of rural revitalization,agricultural operation fluctuates greatly and faces great risks.Moreover,problems such as insufficient mortgage of farmers and incomplete information record make rural commercial banks face great financial risks when carrying out agriculture-related loans.Under the guidance of the rural revitalization strategy,the Rural Commercial Bank strengthened the investigation and analysis of the operation of the agriculture-related loan business,and adopted digital technology to optimize the agriculture-related loan business,which has positive significance and value for improving the operational efficiency and quality of the rural loan business.This paper takes xx Rural Commercial Bank as an example,adopts literature research method,case analysis method and other research methods,and based on the perspective of rural revitalization background,analyzes the current situation of the agricultural credit operation of xx Rural Commercial Bank,and makes an objective analysis from the perspectives of the product type,operation mode and operation strategy of the agricultural loan business.It is found that the agriculture-related loan business of xx Rural Commercial Bank mainly has some problems,such as low digitalization degree,relatively narrow business channels,relatively backward service mechanism and high credit risk.Through further analysis,it is found that,under the background of rural revitalization,the main causes of the problems of xx Rural Commercial Bank’s agricultion-related loan business are the lack of product innovation awareness and ability,the failure to establish the online-offline dual-channel mode,the slow development of micro-credit business,and the lack of a perfect credit risk control mechanism.Therefore,by analyzing the existing problems in the operation of agriculture-related loan business of xx Rural Commercial Bank and combining the successful experience of domestic banks in the operation of agriculture-related loan,this paper proposes to strengthen the innovation of agriculture-related loan business products and services,build the online-offline dual-channel mode,deepen the integration of Internet technology and agriculture-related service mechanism,and realize the comprehensive control of credit risks.So as to promote the further development of the agricultural loan business of xx Rural Commercial Bank.