A Study On The Financial Service Of "Agriculture, Countryside And Farmers" In China 's Postal Savings Bank' S Xing'an Branch

Being a big commercial bank of "agriculture, countryside and farmers", the Postal Savings Bank of China’s function and effect of it plays an irreplaceable role in the local economic development and the construction of the local credit environment. "Three rural issues" (agriculture, countryside and farmers), is one of the current working focus of the whole Communist Party and the whole country. In order to establish a new socialist countryside, the rural urbanization is the key to solve the problem of "three rural" issues. What’s more, rural urbanization depends highly on the financial support. The major worthwhile issue of the current research is that how to improve the quality of financial institutions to the "three rural" work, especially try to improve the support of the Postal Savings Bank that is closely related to "three rural" and manage to promote the construction of socialist new countryside and urbanization. Then, it has great practical significance in serving better to "agriculture, countryside and farmers" of financial enterprises and promoting the construction of new socialist countryside and rural urbanization. The author made profound research towards the" three rural" financial services of Hengan league branch bank of the Postal Savings Bank of China, through the way of actual investigation, longitudinal comparison between different regions and qualitative and quantitative analysis methods. The results show that the service of "three rural" work has made significant achievements, since the Postal Savings Bank of China in Hengan league branch bank has been established for seven years. But there are also some practical solving problems, such as the difficulties of preventing the risk of farmer’s micro loan, the risk compensation mechanism is insufficient, lack of transfer mechanism and staff quality is low and so on. Hengan league branch bank of the Postal Savings Bank of China should comply with the developing tendency of "three rural" and set up and even strengthen the new consciousness of "three rural". Through the way of building the financial credit environment to innovate the product of "three rural"; Through the development of intermediary business to solve the problem of information asymmetry; Through the strengthening the cooperation with local government to innovate the financial guarantying way; In order to strengthen the service basis of "three rural", we should rely on the cooperation platform and try the mode of "development from power" to speed up the transformation and upgrading. Furthermore, innovate the air defense of risk and operation monitoring mechanism. In addition, we will continually adhere to the strategy of microfinance core status unswervingly and strengthen the construction of financial talent team. Then, we will actively develop the financial services of modern agriculture to promote the steady development of business, through this we can better promote the service of "three rural" Hengan league branch bank of the Postal Savings Bank of China and thus promote the sustainable development of the science.