Changsha Rural Commercial Bank Grants Credit To The Whole Village To Support Inclusive Finance Case Analysis

Inclusive finance is about making appropriate and effective financial services available to all groups of people.The focus of inclusive finance includes: farmers,small and micro enterprises,the elderly,low-income groups,etc.The main service objects of rural commercial banks also happen to be agriculture,rural areas and small and micro enterprises.In order to study how rural commercial banks should provide effective inclusive finance services,this paper takes Changsha Rural Commercial Bank as an example to analyze its inclusive development strategy,existing inclusive finance service institutions,inclusive finance credit products,inclusive finance strategy--"5050" project and credit model--the whole village credit.Firstly,this paper reviews the research literature on the connotation and measurement standard of inclusive finance,the bank’s inclusive service situation,and the mode of banks’ support for financial inclusion,so as to provide a theoretical basis for the analysis of reasons for whole-village credit in the following paper.Secondly,the regional environment of Changsha Rural Commercial Bank is analyzed to understand the inclusive policy of Hunan Province,the economy of Changsha city and the financial environment of Changsha City.After that,a representative bank was selected from the four state-owned banks,joint-stock commercial banks and city commercial banks respectively to make a comparative analysis with Changsha Rural Commercial Bank in terms of organizational structure and product design,and to study the gap with other banks.In addition,a comprehensive study is made on the "5050" project,which is fully implemented by the development of Rural commercial behavior in Changsha at the present stage,and an empirical analysis is made on the implementation effect of the whole village credit of the branch and the effective reasons are analyzed.Finally,summarize the existing problems of the whole village credit and put forward corresponding solutions.It mainly includes: establishing inclusive finance division,strengthening inclusive manager training,optimizing "5050" project assessment standard,improving inclusive finance product system,and increasing publicity of credit granting for the whole village,etc.The research in this paper helps Changsha Rural Commercial Bank to promote finance inclusion business,to solve the problem of the incompleteness of financial inclusion institutions,to address the problem of high homogeneity of inclusive financial products,to accelerate the project of inclusive finance.At the same time,the research helps the Changsha area small micro enterprises and various villages farmers to solve the problem of financing difficulties and expensive.To serve the development of inclusive finance in Changsha with practical actions and promote the realization of economic growth.