Research On The Status And Countermeasure Of Rural Financial Institutions In The Service Of "Three Rural"

With the continuous development of the rural economy in the county,the demand for financial credit in the rural areas is increasing,and the lack of credit service products makes the demand of the rural economic development not well satisfied.The development of the rural economy has always been restricted by the financial development of the county rural areas,not only in the county area,but also in the county area.There are institutional deficiencies in regulatory finance,and there is still a shortage of rural financial credit services.This paper analyzes and studies the Anfu county rural commercial bank in terms of rural services of rural financial development.Through the collection and analysis of agricultural and financial development data of agro commercial banks in Anfu county,it is pertinent to find out the main problems in serving three rural areas and strengthening rural financial services in Anfu county,and analyses the advantages and significance of the innovation measures of agriculture and commercial banks in Anfu county,so as to make the agro business in Anfu county.The bank can better serve the financial services of the three rural areas,provide more adequate financial support for the development of agriculture,agriculture,agriculture,and agricultural loans,and strengthen the main position of the agricultural and commercial banks in Anfu county rural finance,and for other county rural financial institutions and other commercial banks to serve the development of agriculture,rural areas and farmers.The work provides a certain reference.In this paper,the main products and service flow of agriculture and commercial banks in Anfu county are analyzed,and the overall supply and demand of agriculture and finance in Anfu county is studied.The distribution of service outlets,the total amount of agricultural loans,the structure of agricultural loans,the new agricultural insurance and the development of the new agricultural cooperation are carefully analyzed.On this basis,this paper studies that,although the agricultural and commercial banks in Anfu county have achieved certain achievements in the service of "three rural",there are still some problems,the aging of the service team is more serious,the level of the staff's comprehensive quality is not high,the structure of agricultural financial products and services needs to be optimized,and the management mode needs to be improved.The ability of risk prevention and control is weak.Therefore,this paper puts forward policy recommendations to enhance the ability of rural financial institutions to serve the three rural areas.It is believed that we should strengthen the construction of "three rural" professional personnel and improve the management system of rural financial institutions on the basis of innovating the "three rural" financial product system,and strengthen the financial risk prevention and control of the "three rural" in order to improve the ability of rural financial institutions to serve the "three rural".