Evaluation Of The Development Level Of Inclusive Finance In Rural Areas

Inclusive Finance aims at meeting the financial services needs of the financial vulnerable groups.For a long time,due to the particularity of agricultural and rural production and the imperfection of rural financial service system,rural financial services have been seriously inadequate,affecting rural economic development.Since the Third Plenary Session of the Eighteenth National Congress of the Communist Party of China clearly put forward to vigorously develop inclusive finance,rural Inclusive Finance has been attached great importance.Financial institutions in Yangling Demonstration Zone also have certain financial measures in the area of inclusive finance,and constantly improve the local inclusive financial services.Among them,Yangling Agricultural and Commercial Bank,as a local first-level legal person financial service institution,adhering to the service purpose of "taking root in the hope of harvesting agriculture,countryside and farmers",actively promotes the development of inclusive rural finance in Yangling.However,what is the situation of Yangling Agricultural and Commercial Bank in the development of Inclusive Finance in rural areas? What are the problems? At present,there is no relatively objective answer.In view of this,this study takes Yangling Agricultural and Commercial Bank as the research object,aiming at building the evaluation system of rural inclusive financial development level through Delphi method,analytic hierarchy process and fuzzy mathematics comprehensive evaluation method,and then carries out empirical evaluation,so as to better understand the development of rural Inclusive Finance of Yangling Agricultural and Commercial Bank.After research,the following conclusions are drawn:Promoted by inclusive rural finance,the overall level of inclusive rural finance of Yangling Agricultural and Commercial Bank is generally high.The balance of agricultural loans of Yangling Agricultural and Commercial Bank is growing rapidly.Bank cards have been widely popularized among farmers,and the network layout and service team are constantly improving.However,in the development of inclusive finance,Yangling Agricultural and Commercial Bank also has some problems,such as the rising rate of non-performing loans,the low penetration rate of Internet finance and the relatively high cost of inclusive finance.according to the problems found by the research,the paper puts forward some suggestions for the development of rural Inclusive Finance of Yangling Agricultural and Commercial Bank,including: seeking a new balance in risk management and cost control of rural inclusive finance;actively popularizing Internet finance,especially increasing the popularization of mobile banking,giving full play to the role of financial demonstration service station;and strengthening the popularization and promotion of intermediary business.And we will increase the publicity of inclusive financial policies.