Study On The Development Of Rural Inclusive Credit Business In China

In 2020,China has achieved full poverty eradication among the rural poor.To continue to develop the rural economy,revitalize the rural areas in cities and counties,and shorten the urban-rural gap,we need to vigorously develop the rural inclusive credit business.Unlike poverty alleviation credit,rural inclusive credit business is committed to making the recipient groups involved in agriculture generate income and wealth,and also incorporates the sustainable operation and profitability of lending financial institutions into the main consideration,which is a powerful means to truly tap the rural financial potential and make the positive cycle of financial creation value.This paper takes the " Yu Nong Tong" rural inclusive credit business implemented by CCB Baoding Branch as an example,analyzes the business development,business promotion mode and strategy of the bank,and then,conducts a comparative analysis and case study with typical products,so as to summarize the current situation of the business development of the bank and make suggestions for the development of rural inclusive credit business in China based on this.The first part of this paper is an introduction,which describes the background,purpose and significance of the study,explains the research method,and conducts a literature review on the basis of a thorough study of relevant literature reviews at home and abroad;in the second part,the concepts of inclusive finance,rural finance and rural inclusive credit are defined,and theories such as financial exclusion theory are discussed;in the third part,the changes in the scale of agriculture-related loans,the availability dimension and the use dimension are discussed.In the fourth part,we first give an overall overview of the development of the "Yu Nong Tong" rural inclusive credit business of CCB Baoding Branch,and then analyze the promotion mode,promotion strategy,and main products of the business of the bank.In the fourth part,we first give an overall overview of the rural inclusive credit business of CCB Baoding Branch,and then analyze the promotion mode,promotion strategy and main products of the bank,and summarize the experience of the bank in carrying out rural inclusive credit business;in the fifth part,we compare and analyze two typical products of CCB Baoding Branch,namely "Rural Farmers’ Loan" and "Leading Farmers’ Loan".In the fifth part,we compare and analyze two typical products of CCB Baoding Branch,"Rural Farmers’ Loan" and "Leading Farmers’ Loan",and analyze the different business methods of the bank in dealing with different types of customers and the presence or absence of guarantee mechanisms through the comparison of access conditions,loan amount,loan term and post-loan management,etc.In the sixth part,we analyze the performance and problems of the two cases of"Leading Farmer Loan" and "Rural Farmers’ Loan" to examine the effects of the loans on the borrowers and the problems of the corresponding loan products in the current business development.