Study On Rural Financial Service Strategy Of Wafangdian Branch Of Agricultural Bank Of China

The state actively promotes the work of rural financial services and gradually establishes a rural financial system suitable for the contemporary rural development.However,there are still some problems in rural financial services of financial institutions.For example,the low level of intelligence of financial institutions,the lack of product innovation developed by financial institutions,and the huge potential risk of credit business of financial institutions all slow down the development of rural finance and restrict the development of rural economy,thus hindering the development process of agricultural and rural areas.Therefore,it is of great significance to analyze the current situation and problems of rural financial services and put forward suggestions for rural financial services to promote the development of rural economy.This paper takes the rural financial services of Wafangdian branch of Agricultural Bank of China as the research object,adopts the method of questionnaire and case analysis,through the investigation and research of Wafangdian rural financial services,analyzes and summarizes the current situation and problems of rural financial services of Wafangdian branch of Agricultural Bank of China.At the same time,it analyzes the characteristics of rural financial services of different banks,summarizes the current needs of rural financial services of Wafangdian branch of Agricultural Bank of China,analyzes the feasibility and effectiveness of the program,and then puts forward the measures of rural financial services of Wafangdian branch of Agricultural Bank of China.Through the analysis,the following conclusions are drawn:(1)In order to solve the current contradiction between the supply and demand of credit in rural financial services,it is necessary to carry out the reform of loan content and mode.On the basis of ensuring the lowest cost,we should strengthen cooperation with the government and various parties,provide new guarantee mode,develop various credit modes,and try our best to meet the demand of rural residents for funds in production and life.At the same time,the local government supervision department should increase the supervision of financial institutions,and work with Wafangdian branch of Agricultural Bank of China to prevent and resolve rural financial risks,so as to promote the sustainable development of local rural economy.(2)In order to solve the problems faced by the rural financial services of Wafangdian branch of Agricultural Bank of China,it is necessary to speed up the reform of operation and management,promote the transformation of rural outlets,innovate the rural financial service mode,improve the development of rural Internet financial services,and constantly improve the talent team construction of Wafangdian branch,so as to improve the level of local rural financial services.(3)In order to promote the development of Inclusive Finance in Wafangdian branch of Agricultural Bank of China,we need to strengthen scientific and technological means,innovate financial service methods,constantly optimize the construction of huinongtong outlets,increase the channels of Inclusive Finance publicity,strengthen the publicity of financial knowledge and featured products,and promote safe and convenient Internet banks,so as to promote the development of inclusive finance more stably and permanently.