Research On The "Three Rural Issues" Path Of Agricultural Bank Of China Under The Background Of Inclusive Finance

Rural finance is the key elements for promoting the rural economic development, is to promote a strong guarantee for the rural economic development entities. International, financial crisis occurred frequently refraction foaming tendency of the current world financial system. At the same time the fragmented urban and rural "dualistic" financial system also makes the allocation of financial resources is not equal, rural financial repression exists.Thus, the construction of all the people share the fruits of financial inclusive financial system is imperative.The No.1 document of central government in2016 mentioned again "three rural issues", is already 13 years continuously focus on "three rural" areas, solve the "three rural issues" is the Chinese economy realize an important guarantee for the sustainable development, also is the present stage of China's implementation of "demand pull" strategy,economic structural adjustment and transformation and an important foundation for the complete.Financial inclusion is a for all members of society, especially vulnerable groups, industries and regions provide comprehensive financial services to the sustainable financial development, the financial system is particularly concerned about the deficiency of conventional financial services or difficult to popularize the poor areas and population, reflecting the social financial fair.The idea of inclusive financial is to the traditional financial system for critical reflection and break the "dualistic" financial barriers that make up the split of the flaws in the financial system, better realize the role of financial support to the national economy, to promote economic development, increase employment,improve income distribution, to achieve a more fair, reasonable and sustainable development. In reality, the Agricultural Bank of China Main behavior of the commercial bank in a certain extent to meet the financial needs of the development of "agriculture, countryside and farmers", but in the face of increasingly large rural financial system, commercial banks of our country alsogradually reveals the inadequate side.2016 years, the State Council, "a file" to innovation of commercial bank serving "agriculture, countryside and farmers" model, further play on financial inclusion in the role of the backbone of the development of rural commercial bank.This article embarks from the actual economic and social development of our country, the rural financial repression, financial deepening, asymmetric information, transaction costs and other related theories, to commercial banks,especially the "three rural issues" business accounted for relatively large Agricultural Bank of China as an example, expounds the inclusive financial development present situation and the existing problems of China. On this basis,draw lessons from developed countries, France and India, Indonesia and other countries inclusive financial development model, our inclusive finance services of commercial banks "three rural issues" model innovation and countermeasure were discussed, in order to achieve the precise poverty inclusive financial sustainable development objective.