Research On Mudanjiang Rural Commercial Banks Serving Three Rural Issues

The problem of agriculture,rural areas and farmers has always been an important issue in China's socialist modernization.To solve the problem of "agriculture,rural areas and farmers",we need to strengthen the support of policies and input of resources,especially financial resources.However,at the present stage,rural financial services cannot meet the growing financial needs of "agriculture,rural areas and farmers".Seriously backward the development of urban finance in our country.As a major participant and major force in rural financial services,it is of great significance to reshape the organizational structure,explore the service mode,innovate the product system,optimize the credit process,give full play to the advantages of capital,talent,network and network,and do a good job in the financial services of "agriculture,rural areas and farmers".From the related concepts and theoretical basis for this study as a starting point,summarized the development of the "three rural" financial service present situation and the research status quo,in mudanjiang agri-businesses Banks as the research object,analyses the mudanjiang agri-businesses bank service "three rural" status quo,problems and causes,and using the SWOT method to mudanjiang agri-businesses bank internal and external environment to carry on the comprehensive evaluation,put forward a series of countermeasures and Suggestions related.The main research content includes six chapters.The first chapter is an introduction,which briefly introduces the background,purpose and significance of the study,and analyzes the current research situation at home and abroad.provides a practical basis for the following paper,and summarizes the content and research methods of this study.Chapter 2 Definition of relevant concepts and theoretical foundations,maindefinitions essence and function of rural commercial Banks,"finance",and the connotation and function of rural finance,and introduces the theories of agricultural Credit subsidies,rural financial markets and market competition relevant theoretical basis.Chapter 3: present situation,problems and experience of serving "agriculture,agriculture and agriculture" of mudanjiang rural commercial Banks in mudanjiang city.The paper puts forward the problems faced by mudanjiang rural commercial bank in serving "agriculture,countryside and farmers",including excessive loan balance and difficulty in risk control.Rural commercial Banks have narrow range of agricultural services and single financial products.The range of peasant household loan collateral is small,and the third party involved in agricultural financial guarantee institutions are few.Chapter four analyzes the existing problems of mudanjiang rural commercial bank in the service of "agriculture,rural areas and farmers",mainly from the lack of funds for the service of rural construction;Agricultural extensive development,difficult to absorb funds;The reason of the problem is analyzed from three perspectives: the restriction of policy channel and the narrow financing bottleneck.Chapter five: a SWOT analysis of mudanjiang rural commercial bank's service to "three rural" development,an analysis of the advantages,disadvantages,opportunities and threats of mudanjiang rural commercial bank.Chapter 6 the strategies of mudanjiang rural commercial bank to serve "agriculture,rural areas and farmers" include perfecting the rural financial system,promoting the orderly development of rural commercial bank and improving the rural commercial bank's rural supporting loan mode.