| Rural revitalization is an important development process of Socialism with Chinese characteristics,and it has epoch-making milestone significance in the development of "agriculture,rural areas and farmers" in China.Agriculture is the main target of rural commercial banks,and a large number of studies have proved that rural financial institutions are a powerful medium to promote local economic development.From the perspective of the development of finance,especially small and medium-sized rural banks,the No.1 Document of the Central Committee in 2022 has brought a brand-new space for policy measures and economic development.Since the 19 th National Congress of the Communist Party of China put forward the strategy of rural revitalization,the rural industry has developed well,with new industries and new formats emerging in an endless stream.As a rural financial institution serving agricultural and rural farmers,supporting rural revitalization is a systematic project,and it is also an inevitable demand to return to the original and support the development and growth of China’s real economy.Under the current market economy situation,in order to make overall arrangements for urban and rural development and find new growth points for rural economic development,so as to achieve the overall goal of villagers’ prosperity,stable economic and social development,and improve the rural development.Taking the new rural commercial bank as the main research object,this paper focuses on the investigation of Henan Rural Credit Cooperative and its subordinate Henan Xinzheng Rural Commercial Bank.Based on the basic theory of rural finance,inclusive finance’s theory and other related theoretical knowledge,this paper adopts the methods of literature research,field investigation and SWOT analysis,etc.,and through the analysis of the current situation of rural credit cooperatives serving agriculture,rural areas and farmers in Henan province and field investigation,discusses and analyzes the problems and causes of their financial institutions serving agriculture,rural areas and farmers.By analyzing the advantages and disadvantages of its service to agriculture,rural areas and farmers,it is found that the disadvantages of its service to agriculture,rural areas and farmers are as follows: great pressure of market competition,asymmetric information and great environmental market risk.After analyzing the problems and on-the-spot research and analysis of farmers’ financial needs,aiming at how rural credit cooperatives in Henan Province can help the development of agriculture,rural areas and farmers with high efficiency and high quality under the background of rural revitalization,this paper puts forward four improvement suggestions:widening the width of financial services,deepening the thickness of financial services,gradually unifying information resources,focusing on the construction of rural social credit system,and effectively reducing the asymmetric risks of information.The development strategies and specific measures put forward in this paper point out the direction and direction of economic development for rural credit cooperatives in Henan Province to better serve agriculture,rural areas and farmers.At the same time,it is of great practical significance to make a modest contribution to the benefit of the people and promote agricultural development,to improve the local agricultural industrial conditions,to promote the healthy development of local rural commercial banks and to promote the rural revitalization strategy. |
