Research On Agricultural Bank's Agricultural Financial Products Innovation Based On The Perspective Of Inclusive Finance

In the context of the national development of "targeted poverty alleviation" for agriculture,rural areas and farmers,agricultural bank of L branch took inclusive financial products related to agriculture as the research object,and analyzed the problems encountered in the implementation of such products and the existing reasons.Through problem analysis and sample survey of actual market demand,it is found that the main problem of agricultural bank of L branch's inclusive financial products is that the products cannot match the market demand,resulting in a serious gap between supply and demand.On the basis of this analysis and investigation,combined with the real regional market demand,the original inclusive financial products related to agriculture were redesigned and improved,and in the implementation process,the product supply and market demand were well matched through constant evaluation and modification.This study aims to realize that agricultural bank of L branch's products can meet market demand in real time and accurately through product innovation,and cannot be improved continuously,making a contribution to "targeted poverty alleviation" and agricultural modernization in liaoshen region.Based on inclusive finance,agricultural bank of China has conducted related research on agricultural financial product innovation.The main content of this paper includes the following four parts:?.taking L branch of agricultural bank of China as an example,this paper introduced the existing product categories and features of agricultural financial products of agricultural bank of China,as well as the current situation and operation process of agricultural financial products;?.the existing problems of agricultural financial products are investigated and analyzed.Through a relatively comprehensive investigation inside and outside the agricultural bank of China,it is found that the product design is not in line with the existing economic development needs in rural areas,the overly strict mortgage guarantee method and the tedious approval process are the main reasons for the development bottlenecks of agricultural bank of China in the process of developing inclusive finance and serving agriculture,rural areas and farmers;?.from the countryside,agriculture and farmers classification of three different dimensions of the agricultural bank of agricultural financial product innovation and design again,put forward the Jin Sui-social security card,rural youth entrepreneurship microcredit peasants and rural left-behind women their own businesses to support projects such as new products,and probes into the guarantee approaches such as chattel,coinsurance and design;?.using the inclusive finance index as the evaluation index,select the range different from previous studies,select street towns and villages to conduct data collection and comparison of the trial effect of innovative agriculture-related financial products.By comparing with the control group,it is found that the innovative agriculture-related financial products have a good effect in improving the level of inclusive finance in the trial area.An empirical study on the influencing factors of inclusive finance index was conducted by using the data of trial area.Through the stability test,cointegration analysis and granger analysis,found that the local economic development level and pratt &whitney mutually reinforcing relationship between financial index,and other product design factors,such as credit situation,local government policy support and financial subsidies,as well as new technology and so on are only positive impact on financial index pratt & Whitney,and pratt &whitney financial development does not affect these elements.According to this conclusion,the Suggestions of product innovation and continuous improvement of inclusive finance index are given.