Research On The Satisfaction Of S Rural Commercial Bank's Inclusive Financial Innovation Products

For a long time,the supply of inclusive financial products in the vast rural areas of China is seriously insufficient,and the form of inclusive financial products is relatively simple.The rural commercial banks,which are the main suppliers of inclusive financial products,haven ' t done well in the innovation of inclusive financial products.As a result,farmers are less satisfied with inclusive financial products,unable to meet their expectations and requirements for loans,and greatly limit the role of inclusive finance in solving the three rural issues.Under the background of the country's vigorous development of the inclusive financial system,rural commercial banks need to attach great importance to the innovation of inclusive financial products,and meet the needs of the majority farmers for the inclusive financial products.What ' s more,the rural commercial banks should improve their satisfaction with inclusive financial products.Based on the perspective of the farmer'satisfaction,this paper does research on the innovative products of the inclusive finance in the rural commercial banks.Take S rural commercial bank as an example,it comprehensively discusses the innovation problems and strategies of the inclusive financial products.Firstly,the article expounds the research background,research significance,and the framework of the thesis in the introduction part,and discusses the research status at home and abroad,and summarizes the research methods and ideas of the thesis.Then the article discusses financial development theory,inclusive financial theory,financial innovation theory,etc.in the chapter of Relevant Theoretical Basis.The third chapter of this paper comprehensively analyzes the basic situation of S rural commercial bank,the development status and problems of inclusive financial products;Based on this,the fourth chapter of this paper carries out a questionnaire survey on S rural commercial bank's satisfaction with inclusive financial innovation products.,By designing a questionnaire on the satisfaction of inclusive financial innovation products,and based on the survey data,empirical analysis was conducted on the factors influencing the satisfaction of inclusive financial innovation products,so as toclarify the demand points and concerns of customers for inclusive financial innovation products,so as to clarify the innovation direction and key points of inclusive financial innovation products.Finally,based on the empirical results,the countermeasures should be taken to promote inclusive financial innovation products.On the basis of comprehensively summarizing the relevant research results,the article grasps the current satisfaction of the farmers with the S-Commerce Bank's inclusive financial products by designing the questionnaire of the farmers' satisfaction,and it finds that the farmers' satisfaction of the inclusive financial products in the S rural commercial banks is at a relatively low level,which reflects the weak innovation of the bank's inclusive financial products.Combining with the author's own understanding,the article focuses on the innovation of the inclusive financial products in the rural commercial banks.It comprehensively discusses the innovative strategies of the inclusive financial products in the rural commercial banks by using the perspectives and conclusions of the existing research results,the combination of theoretical research and case studies,comprehensive use of finance,management,sociology and other multi-disciplinary knowledge.At the same time,it proposes to follow the basic principles of demand orientation,classification innovation,risk control,etc,and gives more suggestions on the ideas of the innovation,the survey on the product needs,the convenience improvement and cost reduction.By this way,it can promote the innovation level of the inclusive financial products in the rural commercial banks.