Study On The Countermeasures Of Luojiang Rural Commercial Bank To Improve The Financial Services For "Agriculture,Rural Areas And Farmers"

"Three rural issues" has always been the top priority of the national work,rural financial services for the development of rural economy has a pivotal role,rural commercial banks(referred to as rural commercial banks)as the main force in the rural financial system to implement and implement the "three rural" policy,but also the carrier of the implementation of the "three rural" policy.As the main financial institutions in rural areas of China,rural commercial banks should speed up the flow of financial resources to rural areas.The primary goal of rural commercial banks is to speed up the construction of a multi-level,wide coverage and sustainable rural financial service system and develop rural Inclusive Finance.Therefore,the study of Luojiang rural commercial bank’s service for "agriculture,rural areas and farmers" has great theoretical and practical significance for the future development of rural commercial bank and how financial institutions better support "agriculture,rural areas and farmers".This paper takes Luojiang rural commercial bank as an example.Firstly,according to the background and significance of the research,this paper briefly introduces the research results and contents at home and abroad,and analyzes the related concepts and theories,it briefly introduces the operation status and development of Luojiang rural commercial bank,and further analyzes the achievements of Luojiang rural commercial bank in serving agriculture,rural areas and farmers.Thirdly,from the case and data,it points out that there are still some problems in the process of serving agriculture,rural areas and farmers.Specifically,there are three aspects: the phenomenon of credit abandoning agriculture begins to appear,the credit products are not widely applicable,the new agricultural business entities and small and micro enterprises are not enough,and the rural economic development level is low,which limits the rural financial demand,Combined with the existing problems,the causes of the problems are analyzed.Finally,in view of the related problems,and based on the Luojiang rural commercial bank itself,this paper puts forward the countermeasures and suggestions for Luojiang rural commercial bank to improve the financial services for "agriculture,rural areas and farmers";Expand business space and innovate agricultural financial products;Based on rural areas,strengthen the construction of financial technology channels.In order to further enhance the effectiveness of Luojiang rural commercial bank in serving "agriculture,rural areas and farmers".