Research On The "Three Rural" Service Development Of Agricultural Bank In The New Era

For a long time,the rural economic development was restricted by capital and credit constraints that peasants' income growth was very slow. As the core of modern rural economy,rural finance undertake the responsibility of providing powerful financial support to modern agriculture and new rural communities construction.However,there are still many shortings in the present rural financial systems,it is difficult to meet"three rural(agricultural,countryside and farmers)"effective demand for financial services in time.As the only large state-owned commercial banks which has established branches in almost all of the counties and cities,The Agricultural Bank should be duty-bound to play a main channel and backbone role in the service"three rural(agricultural,countryside and farmers)"in rural financial system.Based on the key and difficult problems of Agricultural Bank's service"three rural(agricultural,countryside and farmers)"in the new period,this paper is to discuss the necessity and feasibility of Agricultural Bank's management"three rural(agricultural,countryside and farmers)"business as a commercial bank from theoretical and practical aspects,and choose innovative models and successful practices of the two pilot banks of Quanzhou and Sanming to have an empirical analysis,so as to summarize pilot experience,and explore the achievement of promoting Agricultural Bank's service"three rural(agricultural,countryside and farmers)"in the new period,and corresponding countermeasures will be proposed.This paper launched around the following five parts:The first part is introduction,including the background and significance of thesis research,domestic and foreign financial related literature review, thesis ideas and methods, etc.The second part is mainly discuss the effectiveness and difficulties of the service"three rural(agricultural,countryside and farmers)"development of Fujian Agricultural Bank before the restructuring, including the effectiveness of Fujian Agricultural Bank's service"three rural(agricultural,countryside and farmers)"development before restructuring,the difficulties and characteristics of capital and credit constraints which Fujian countryside now facing , the influence factors of Agricultural Bank's service"three rural(agricultural,countryside and farmers)"development.The third part is the theoretical basis of Agricultural Bank's service"three rural(agricultural,countryside and farmers)"development,including the objectivity and importance of the service"three rural(agricultural,countryside and farmers)"development of Agricultural Bank, the system analysis of Agricultural Bank's reform and innovation,the economic analysis of Agricultural Bank's facing"three rural(agricultural,countryside and farmers)".The fourth part is the empirical analysis of Agricultural Bank's service"three rural(agricultural,countryside and farmers)"development after restructuring, including the two typical cases of Quanzhou branch and Sanming branch,then four main conclusion was drawn:the service of"three rura(lagricultural,countryside and farmers)"is Agricultural Bank's eternal theme of reform and development; Agricultural Bank's support input on"three rural ( agricultural,countryside and farmers )"effectively hasten rural economic growth;the pilot reform of Agricultural Bank's"three rural(agricultural,countryside and farmers)"finance department and the improvement of operating efficiency show that Agricultural Bank will make a profit and achieve bright prospects in serving"three rura(lagricultural,countryside and farmers)"; rural finance is the core of modern rural economy,the government should encourage and support the development of various financial services which fit for rural characteristics and demands.Finally,countermeasures and suggestions to further promote Agricultural Bank's service"three rural(agricultural,countryside and farmers)"development were proposed,including updating the concept of service and enhancing the consciousness of serving"three rural(agricultural,countryside and farmers)",and innovating management system and improving rural financial service system,and innovating financial products to meet diverse financial needs of rural;and actively expanding the agricultural insurance business by trying first,then perfecting and increasing policy support towards Agricultural Bank's service"three rural(agricultural,countryside and farmers)".