Research On The Development Of Bank Loans For Agriculture,Rural Areas And Farmers Under The Background Of Rural Revitalization

For a long time,there has been a big gap between urban and rural development in China,and the problem of unbalanced and inadequate development between urban and rural areas has been prominent.Rural development has been unable to meet the growing needs of the Chinese people for a better life.In 2017,the 19 th CPC National Congress put forward the strategy of comprehensively promoting rural revitalization,which is an important arrangement for the work related to agriculture,rural areas and farmers in the new era.The CPC Central Committee guides financial institutions to increase support for agriculture,rural areas and farmers from the policy level.However,the financing effect of agriculture,rural areas and farmers is not ideal.The rural funding gap is still huge,and the situation of capital away from agriculture still exists.In this period,the problem of how commercial banks can better undertake social responsibilities and serve the national strategy to support rural revitalization needs to be discussed and studied.This thesis tries to explore the problems existing in the development of loans for agriculture,rural areas and farmers from the internal perspective of commercial banks,and take this as a breakthrough point to promote commercial banks to better carry out loans for agriculture,rural areas and farmers,serve the rural economy,and achieve the grand goal of rural revitalization.Based on the study and theory of rural revitalization and rural loan,combining with the development of B district,this thesis studies the development process of loans for agriculture,rural areas and farmers of Bank A Branch B and the development measures taken since the implementation of rural revitalization strategy,by collecting documents and historical data,interviewing with loan staff of agriculture,rural areas and farmers,observing business procedures.On this basis,through data analysis and logical analysis,the thesis makes an in-depth analysis of the development environment,development effectiveness,existing problems and causes of the loan business of agriculture,rural areas and farmers of Bank A Branch B.This thesis holds that the promotion of the rural revitalization strategy,the continuous deepening of inclusive finance,the rapid development of regional rural economy,and the increasingly fierce competition all promote Bank A Branch B to better develop loans for agriculture,rural areas and farmers.The advantages of resource endowment and differentiated competitive advantages of Bank A Branch B lay a foundation for it to better serve agriculture,rural areas and farmers.At present,Bank A Branch B has achieved fruitful development in the loan business of agriculture,rural areas and farmers,with continuous growth in loan scale and stable and excellent asset quality.However,some problems cannot be ignored,such as limited product market fit,the risk situation is grim,high operating costs,mechanism efficiency is not effectively played.In view of the problems,this thesis puts forward five suggestions: First,seize opportunities to promote business development.Second,change the concept of development and improve product market compatibility.Third,improve the risk prevention and control system to raise the level of risk control.Fourth,enhance the support of science and technology to improve work efficiency.Fifth,improve organizational structure to stimulate business development momentum.