Research On The Strategies Of Rural Inclusive Finance Of The HN Branch Of PSBC

The granaries are solid,the world is safe.The report to the 19 th National Congress of the Communist Party of China pointed out that issues concerning agriculture,rural areas and farmers are fundamental to China’s economy and people’s livelihood,and that solving these issues must always be the top priority of the Party’s work.The fifth Plenary Session of the19 th CPC Central Committee stressed the need to comprehensively promote rural revitalization and accelerate agricultural and rural modernization.As a large state-owned commercial bank,PSBC has always been committed to serving agriculture,rural areas and farmers,urban and rural residents,and small and medium-sized enterprises.Based on its resource endowment,PSBC has focused on agriculture,rural areas and farmers,making positive contributions to winning the battle against poverty and serving rural revitalization.Based on this,this paper summarizes the theoretical research literature on inclusive finance development at home and abroad,comprehensively uses the literature research method,case study method and other methods,takes THE HN Branch of PSBC as the research object,starts from the development status of inclusive finance business of THE HN Branch,puts forward the existing problems of the current HN branch and analyzes the reasons.Using the theory of inclusive finance,rural finance development theory,rural revitalization strategy,etc.,combined with the advanced cases of inclusive finance development of domestic and foreign commercial banks,based on the backg Round of rural revitalization,the feasibility study on the development of inclusive finance of HN branch.Firstly,the problems Existing in the development of inclusive finance of HN branch are analyzed,including prominent contradiction between supply and demand of rural finance,imperfect construction of rural financial system,insufficient product innovation mechanism,backward level of digital science and technology,complex business process,etc.Analysis of the root causes of the poor rural financial development environment,product innovation can not meet the rural financial demand,digital technology development of low attention,risk control management level to be improved,etc.Then it analyzes the rural revitalization development strategy of PSBC HN Branch’s inclusive finance under the background of fintech.It includes industrial assistance,product innovation,improving scientific and technological level and risk management ability,strengthening platform cooperation and improving credit system construction,etc.,providing a reliable basis for the development of inclusive finance of HN Branch.Finally,the implementation guarantee of HN branch inclusive finance development is formulated,including policy guarantee,organizational guarantee,financial guarantee,technical guarantee and talent guarantee.This paper will integrate inclusive finance and rural revitalization,and study the development strategy of inclusive finance for rural revitalization.In theory,it enriches the theoretical system for the development of Inclusive f Inance in banks under the background of rural r EVitalization.In practical sense,it is expected to provide suggestions for the development of Inclusive f Inance in HN Branch,and also to provide experience for other banks in the development of inclusive finance under the background of rural revitalization strategy.