Research On Mission Drift Of Rural Banks In Huizhou From The Perspective Of Inclusive Finance

The establishment of a financial product or service from all sectors of society(especially the poor and vulnerable groups)of the inclusive financial system,and to help those who are difficult to obtain financial products or services from the traditional formal financial institutions to lower income people out of poverty is in the nature of inclusive finance.Due to historical,social,cultural and other reasons,China's rura l areas have always been difficult to obtain the necessary financial services and credit support,it is difficult to get rid of the shadow of poverty.Therefore,in December 2006,C hinese CBRC proposed to relax the access policy of capital in rural areas,domestic and foreign industrial capital,bank capital and private capital to rural areas allowed to invest and set up new rural financial organizations of all kinds,including rural banks,rural credit union funds,loan companies etc.Among them,the rural bank is the fastest growing type which have the most branches.To fill the gaps in rural financial services,the rural bank has made a huge contribution.However,due to various reasons,rural banks generally exist in the high-end,service object,service b readth is service quality,service scope and other outstanding issues,which lead to the mission drift,a serious violation of national policy intention,widening the poor rural areas disparity,hindering the healthy development of the rural economy.In view of this,this paper takes the rural banks in Huizhou as the object of study,from the perspective of Inclusive Finance to study the problem of the village bank in Huizhou.The research ideas are as follows: firstly,on the theoretical basis of this stud y,the rural banks in the Huizhou area of the property and connotation of Pratt;Whitney mission drift and performance characteristics are outlined;secondly,using AHP to construct a measure of Bank towns and villages of Huizhou Area Mission drift level index system,determiningthe comprehensive weight of each dimension and index,and design the mission drift ratio(Mission Drift Ratio),the use of mission drift index system and mission drift ratio of the three rural banks in Huizhou area for case analysis,measuring the degree of their mission drift;thirdly,it focuses on the formation of rural banks in Huizhou mission drift and the negative influence;finally on the base of domestic and international micro finance institutions experience and Countermeasures of Bank towns and villages of Huizhou Area Mission drift from the macro and micro aspects.According to the above research,the research results of this paper are as follows:(1)in the perspective of Inclusive Finance,rural banks in Huizhou has launc hed the main diversification and market position in the agriculture and the policy of inclusive property.(2)mission drift Bank towns and villages of Huizhou area from the depth of coverage,coverage,coverage and coverage quality four aspects to measure,in the index system constructed in the breadth of coverage and depth of coverage in the index system weights of respectively 50.19% and 35.49%,far more than the other two indicators,the the index can well describe the degree of mission drift.On this basis,we use the percentage ranking method to calculate the comprehensive ratio of direct measurement mission drift,with this ratio to further verify the scientific results.(3)the three village banks in Huizhou as an example,the extent of this mission drift of three rural banks to conduct a comparative analysis,the study found,the three village banks in the loan industry and customer choice have deviated from animal husbandry and fishery and poor people,showing obvious mission drift.Then combined with the reality of Huizhou area,the fundamental reason Bank towns and villages of Huizhou area lies in the weakness of mission drift of agricultural economy in Huizhou.The innovation of this paper lies in: Firstly,the innovation of research perspective.From the perspective of Inclusive Finance as the basis of the Huizhou area of the village bank's mission drift and support policy optimization and Research.Secondly,innovation of the research object.The village and town bank as the research object,and takes Guangdong province Huizhou Zhongkai Dongying Village bank,Boluo C hangjiang village bank He Huidong Huimin village bank as the research object,is different from the general research on the National Rural Bank,its content is more regional and targeted;Thirdly,pay attention to interdisciplinary research.By using the theory of mechanism design theory of financial mission drift,inclusive financial theory and related theory of agricultural economics cross research.Compare wirh researching in a single discipline,its research is more profound and innovative.