Research On The Problems And Countermeasures Of JD Rural Commercial Bank's "whole Village Credit Granting"

The essence of rural commercial banks is the product of rural financial system reform.They have evolved from rural credit cooperatives and are the main force to support local economic development and provide rural financial services.Since the reform,rural commercial banks have made great progress through continuous transformation,reform and innovation.Their institutions,size and profits have risen sharply compared with before,and they have gradually occupied an important position in the rural financial system.After more than 60 years of development,JD rural commercial bank has become an important financial institution with the largest number of institutions,the highest market share and the best service level in the financial system of the whole region.It plays a very important role in promoting the high-quality development of JD area.Inclusive Finance aims to provide an inclusive way to effectively and comprehensively serve all sectors and groups.Under the new normal economic situation,China's agricultural and industrial policies have also undergone major adjustments,and Inclusive Finance has been increasingly concerned.The primary purpose of GSP credit is to enable farmers,poor people and small and medium-sized enterprises,other credit vulnerable groups outside the formal financial system,to obtain timely and effective credit services at reasonable prices,convenience and security.As the main force to support the development of agriculture,countryside and farmers,GSP credit has always been the main direction and one of the main business of rural commercial banks.And "whole village credit" is one of the main methods of GSP credit innovated by JD rural commercial banks.Through batch credit and online credit,farmers'credit availability is continuously improved.However,the "whole village credit" has been launched for five years,but it "only blossoms but does not bear fruit",which directly causes the credit work of JD rural commercial banks,especially retail loans,to stagnate.Then,how to solve the problem of stagnation of "whole village credit" and make "whole village credit" become a sharp edge of the bank's inclusive credit path,has become an urgent problem for JD rural commercial banks.Firstly,on the basis of concisely explaining the background and significance of JD Agricultural and Commercial Bank's "whole village credit" research,this paper makes a profound analysis of the research status of GSP credit at home and abroad,and lays the existing theoretical foundation for research.Then,it objectively analyzed the development status of"whole village credit" of JD Agricultural and Commercial Bank,and probed into the existing problems of "whole village credit" of JD Agricultural and Commercial Bank from the aspects of perfecting support and guarantee mechanism,cultivating inclusive customer managers,optimizing business operation mechanism,upgrading product and service mechanism,and the reasons for these problems.Finally,we put forward more effective measures to solve the problems,including strengthening and improving the support and guarantee mechanism of"whole village credit",establishing the talent training mechanism of "inclusive managers",optimizing the operation mechanism of "whole village credit" business,and upgrading the product and service mechanism of "whole village credit".This paper hopes to play a guiding role in the future development of JD Agricultural and Commercial Bank by studying the existing problems and countermeasures.