| Rural financial service is an important link to realize the integrated development between urban and rural areas under the new situation.It is also a core task in the work of the Party and government.It is an important aspect to promote the integration of urban and rural areas.The report of the 19 th National Congress of the Party has identified a new direction for the integration of urban and rural development.In particular,the issue of agriculture,rural areas,and farmers has been the concern of the No.1 Red-headed Document every year since 2003,which shows the government’s concern to this issue.Rural financial services,as part of the issues concerning agriculture,rural areas,and farmers,have far-reaching significance for achieving coordinated and efficient development of the rural economy and building a well-off society in an all-round way.How to promote the current financial services to further meet the increasingly diverse financial needs of the general public,and how to adapt rural financial services to and promote the development of rural economy is an important issue to address the issues concerning agriculture,rural areas and farmers.However,for many large commercial banks,there is still a large void in rural financial services.From the perspective of development,rural financial services will definitely be a direction for the development of major financial institutions.And if the rural economy is to continue to develop with a good momentum,the most important thing is to address the funding problem first.At present,the physical carriers of capital providers are mostly financial institutions.Based on the current background of new rural construction and rural economic development,it is necessary to clarify the important role of rural financial services in the current economic and social development and its existing problems,and come up with suggestions and solutions accordingly,promote the development of rural financial services in the further and provide guidance for other commercial banks to enter the rural market.In this study,the rural financial services in Shandong Province as the analysis object.Based on the perspective of public management,this paper analyzes the problems existing in rural financial services in Shandong Province and the causes of the problems,and puts forward the corresponding solutions.The main structure of this paper is as follows: firstly,this article combs the main background and significance,domestic and foreign research status,main research achievements,research methods and so on are introduced.The basic concepts of public management and rural financial services,such as the theory of public goods,the theory of information asymmetry,the theory of service-oriented government and so on,are expounded.This paper introduces the relationship between public management and rural financial services,that is,the relationship between public administration and rural financial services.The positive significance of financial service development to rural development is the requirement of financial services.Then it analyzes the effects,problems and reasons of the development of rural financial services in Shandong Province.The existing problems are insufficient supply,weak ability to support agriculture,lack of perfect credit management system,single product and so on.And the reasons include financial ecological imbalance,poor sustainable operation capacity and so on.In view of these problems and reasons,we put forward that we should perfect the financial service system,perfect the policy of supporting agriculture,construct the high-speed settlement channel,innovate the service and product,optimize the living environment of rural finance,perfect the relevant legal system,carry out the responsibility and so on.Finally,the main conclusions of this paper are summarized,and the future research direction is defined. |