Research On The Optimization Of The Credit Granting Model Of The Whole Village Of The Rural Commercial Bank

The report of the Nineteenth National Congress pointed out that the problem of agricultural and rural peasants is a fundamental issue that has a bearing on the national economy and the people’s livelihood,and we must always regard the solution of the "three rural issues" as the most important task in the work of the whole party.The implementation of the rural revitalization strategy and the solution of the "three rural" problems are inseparable from the support of rural finance."Whole village credit" is an important measure to achieve inclusive finance,is crucial to activating rural economic development,at the national policy level,is to implement the spirit of the central three rural work conference,the implementation of the "rural revitalization strategy" of an important measure,in the practical work,but also to solve the farmers’ s "loan difficulties" and banks "lending difficulties" innovative moves,in short,do a good job of "whole village credit" work,benefit the country and the people and the bank.However,in actual operation,the promotion of "whole village credit" has not achieved the expected effect,so that the financial innovation of "whole village credit",which contains huge energy,has not been fully released.In response to these problems,the author consulted a large number of materials,conducted research,interviews and field visits,hoping to sort out the problems,analyze and summarize the causes of the problems,and think deeply about how to deal with them.This paper first concisely expounds the background and significance of the research on the optimization of the whole village credit granting model of rural commercial banks,and conducts a profound analysis of the current situation of domestic and foreign inclusive credit research,forming the theoretical basis of this paper.Then,the main problems faced by HB Rural Commercial Bank in the implementation of the whole village credit and the main causes of these problems were analyzed and studied in detail through data analysis,questionnaires,interviews and other forms.Finally,In how to optimize the credit granting model of the whole village so that it can be better promoted,implement the construction of the rural credit system as soon as possible,promote the local economic development,and at the same time,help HB Rural Commercial Bank solve development problems,better serve the three rural areas,and help rural revitalization,put forward countermeasures.The conclusion of the research analysis is as follows: Through research and development,HB Rural Commercial Bank not only faces the factors of poor economic environment leading to the weak willingness of local farmers to grant credit,but also has the reasons such as cumbersome and inefficient credit granting process,imperfect bank management mechanism,and imperfect government guarantee mechanism.Therefore,it is urgent to optimize the village-wide credit granting model of HB Rural Commercial Bank.This paper also comprehensively and systematically puts forward suggestions on the problems faced by HB Rural Commercial Bank in the process of promoting whole village credit from the aspects of strengthening the bank’s own management level,improving the risk control ability and the government guarantee mechanism,mainly including improving the whole village credit service mechanism,establishing a professional talent training mechanism,developing a big data risk control system,and improving the "whole village credit" support and guarantee mechanism.