Research On Problems And Countermeasures Of Small Loan Business In Lushan Rural Commercial Bank

In recent years,with the deepening of the new urbanization and rural revitalization strategy,rural commercial Banks have increasingly attached importance to small loan business.Put forward the central file no.1,2018,to "improve the level of financial services,adhere to the correct direction of the development of the rural financial reform,improve the rural financial system suited to the characteristics of the agriculture and rural areas,promote rural financial institutions to return to the origin,the more financial resources allocation to rural economic and social development of key areas and weak links,and better meet the demand of rural revitalization of diversified financial." This puts forward new requirements for the development of small loan business in rural commercial Banks in the new era.It can be said that rural commercial Banks play a very important role in rural revitalization,and support for rural revitalization is comprehensive and three-dimensional,and rural revitalization cannot be separated from the full support of rural commercial Banks.So how rural commercial bank based on the country,to serve the farmers,agriculture as the main task,and thus provide more cheap high quality financial services for farmers,agricultural enterprises,such as the main body,play a good financial role on the integration of various resources,finally to better promote the development of rural economy and society better,this is an important problem to be solved.Throughout the domestic and foreign related research on microfinance business development,most have focused on the mode of its development,the method,the present situation and strategy,etc.,the current social development of the real as the background,in-depth case study of microfinance business is less,combining with the regional economic development pattern,in view of the typical cases,analyze the microcredit business development bottleneck problem facing is less.And on this basis,put forward the small loans business development problems and strategies to improve the research,on the one hand,can promote the development of rural microcredit more local characteristics,meet the needs of the country the implementation of the strategy of rejuvenating,on the other hand,more can from the domestic development present situation,summarizes the current China's small loan fast business development experience,and constantly promote its development in the direction of the service to agriculture,rural areas and farmers,and to solve the problems encountered in the development of rural economy and targeted solution is given.This paper studies the system analysis of Lu Shan mountain rural commercial bank small loans business development present situation,find the crux of the problem,and found the solution to the problem,so as to actively deal with,based on the development of small loan business abroad experience and enlightenment,finally put forward the Lu Shan the optimization path of rural commercial bank small loans business,no doubt to ensure Lu Shan steady development of rural commercial bank small loans business,improve the rural financial market,and better promote the strategy of rejuvenating rural and precise poverty alleviation work has important practical significance.