Rural Financial Service Demand And Service Mode Of Bank Of China

In our country, rural finance is the important support to economic development. Rural financial institutions which meet farmers' needs and provide diversified financial services is the important part to work for rural economy and support Sannong farming development. How is farmers' demand for financial services? How is the effect on the service of the current rural financial? How do we improve the effect of financial services for farmers? What are the problems about rural financial reform and development? we need to do deep field research and get the final answer. Since we carried out strategy about " agricultural bank service farming", we have done a thorough investigation in the Weifang area of Zhucheng city,Shouguang City and Anqiu City, where they have provided meritorious financial services on focal point (raise) fission industry earnings so far. We used random sampling survey method and did on-the-spot survey and scene investigation in the three regions. The investigation includes the basic situation, farmer, family income, family expenses, using of financial products and financial service demand and the content such as the effect of access to financial services. And we also carried on the analysis according to the characteristics of Weifang region in order to help rural financial institutions, provide better financial services and products innovation, increase farmers'income, promote the sustainable and stable development of rural economy.At present, the emphasis and difficulty of Sannong farming are that farmers' financial demand can not be met and the farmer as the disadvantaged groups in the largely excluded from financial services, especially in the credit services. In order to solve the farmers' credit demand problem effectively, we must develop the microcredit and microfinance services energetically. From a global point of view, micro credit in rural area is a world problem. Since 1990s, microfinance services have been spread and transferred. It achieved success in some developing countries and realized unified implementation.In recent years, many domestic financial institutions make active exploration on microfinance. But compared with other loans, its amount is small and it has wide distribution. What's more, Information is asymmetric, transaction costs are high, the loan risk is big and investment return rate is very low. The commercial banks are reluctant to get involved in microfinance. Few organizations can find an optimal path to compensate for this market efficiency gap. That led to a bad result which is so called "loan is difficult, difficult to loan".It means both sides of supply and demand are very inconsistent. This paper is based on the current situation of rural microfinance in China, the review and summary of international microfinance operation pattern and the successful cases. It maily carries on the thorough analysis about the necessity and significance of improving financial services and the implementation of service innovation. It puts forward from eight proposes the suggestions. That includes the concept, model, technology and product, channel, service system and process, management mechanism, risk management and credit culture.