Research On The Optimization Of Rural Financial Services In Heilongjiang Province Under The Background Of Rural Revitalization

The report of the 20 th National Congress of the Communist Party of China clearly pointed out that ’ the most arduous and arduous task of building a modern socialist country in an all-round way is still in the countryside.China has completed the goal of building a well-off society in an all-round way and poverty alleviation.The focus of the work on agriculture,rural areas and farmers has gradually shifted to comprehensive and all-round rural revitalization.Finance is the key support to promote the high-quality and efficient realization of rural revitalization,and it is inseparable and mutually reinforcing with rural revitalization.Under the background of rural revitalization,rural financial service needs multi-level and three-dimensional development.As the main grain producing area in China,Heilongjiang Province has always adhered to the goal of accelerating the construction of a strong agricultural province,but it has failed to fully meet the actual needs of " agriculture,rural areas and farmers " in the breadth and depth of rural financial services.Based on the background of rural revitalization,it is of theoretical and practical significance to explore the path of optimizing rural financial services in Heilongjiang Province according to local conditions and time conditions,and to build a digital,convenient and modern rural financial service system in Heilongjiang Province.First of all,based on the relevant research results at home and abroad,this paper takes the three-dimensional financial theory,financial exclusion theory and incomplete market competition theory as the theoretical basis.By combing the basic context of the supply and demand development of rural financial services in Heilongjiang Province after the reform and opening up,this paper analyzes the current supply situation of rural financial service system in Heilongjiang Province,clarifies the current situation of rural financial service demand in terms of subject,capital scale and products under the background of rural revitalization,and expounds the necessity of optimizing rural financial services in Heilongjiang Province in the new era and new stage.Secondly,this paper analyzes the practical difficulties encountered by rural financial services in Heilongjiang Province in terms of service system,effectiveness and ecological environment,and finds that rural financial services in Heilongjiang Province are in theFinally,based on the advanced practical experience at home and abroad,combined with the actual development of rural financial services in Heilongjiang Province,based on the principle of demand-oriented and local conditions,this paper puts forward the optimization path of playing a good ’ combination card ’ : ’ Governance card ’ emphasizes the improvement of the banking financial service system,strengthens the agricultural insurance guarantee function,and improves the risk sharing mechanism;the " service card " focuses on encouraging rural financial service institutions to stick to their own positioning,improve the participation of different subjects,and innovate financial service products;the " environmental card " focuses on promoting the integration of urban and rural areas,establishing and improving the rural financial laws and regulations system,and comprehensively improving rural financial literacy;the " time card " focuses on meeting the needs of modern " agriculture,rural areas and farmers," developing modern rural financial service models,vigorously promoting the development of green finance,and actively developing rural digital inclusive finance.It aims to improve the efficiency and ability of rural financial services and build a solid financial foundation for comprehensively and comprehensively promoting rural revitalization in Heilongjiang banking service system,agricultural insurance service level,risk sharing mechanism and supervision system.Credit loan supply,service subject level,product innovation;there are problems in the level of rural economic development,the level of financial laws and regulations,and the financial literacy of both supply and demand,which hinder the effect of rural financial services.At the same time,focusing on the development needs of agriculture,rural areas and farmers,combined with the background of rural revitalization,this paper further expounds the new challenges of rural financial services in modern financial service mode,green finance and inclusive finance.Province.