Research On Rural Financial Business Development Strategy Of Postal Savings Bank YC Branch Under The Background Of Rural Revitalization

The implementation of the rural revitalization strategy is a major measure to build China into a powerful socialist modernization country in an all-round way and achieve the second centenary goal,which points out the direction for solving the dual structure of urban and rural economy and society.The implementation of the rural revitalization strategy needs the strong support of finance.Invest funds to optimize the development of agriculture,so as to make agriculture modernization and agricultural industrialization stride forward.These opportunities are bound to provide financial institutions with very large development space.Under this background,the research on the rural financial business development strategy of Postal Savings Bank YC Branch will not only help improve the rural financial business development strategy of Postal Savings Bank YC Branch,but also have an important reference and inspiration for financial peers.As the sixth largest state-owned commercial bank,Postal Savings Bank of China is an important participant in rural financial services.He is also a practitioner of the national rural revitalization strategy.He formulated the Implementation Opinions of Postal Savings Bank of China on Serving the Rural Revitalization during the "Fourteenth Five Year Plan",which is an action program specifically aimed at the rural revitalization strategy,defining the "12345" work framework and the "ten core projects" serving the rural revitalization.At the same time,YC Branch of Postal Savings Bank actively optimized the quality of rural financial services,constantly increased the credit supply for agricultural industrialization and modernization,promoted the effective solution of the three rural issues,ensured significant achievements in poverty alleviation,and provided more high-quality services for rural revitalization.This paper takes the development of rural financial business of Postal Savings Bank YC Branch as the research object.The purpose of the study is to find out the problems in the development of rural financial business of Postal Savings Bank YC Branch and analyze the reasons for the problems,and propose the strategies for the development of rural financial business of Postal Savings Bank YC Branch.This paper mainly uses the literature analysis method,questionnaire survey method and SWOT analysis method to study the problems existing in the rural skills business of YC Branch of Postal Savings Bank and their causes.Finally,combined with the development level of local rural economy and the current situation of rural revitalization,this paper puts forward strategies for developing rural financial business.This paper argues that YC Branch of Postal Savings Bank has the following problems in developing rural financial business: low customer satisfaction,low product recognition,low market share,and high non-performing rate of agricultural loans.The main reasons for these problems are: insufficient channel construction,weak service model innovation ability,decoupling of products from market demand,weak risk control ability of agriculture,rural areas and farmers business,and low enthusiasm for developing rural financial business.In order to solve the current problems,this paper puts forward the relevant strategies for YC Branch of Postal Savings Bank to develop rural financial business through analysis and summary:(1)Accelerate the construction of service channels.(2)Change the service mode to improve the customer experience.(3)Product adaptability iteration.(4)Science and technology enable to improve the risk control ability of the three rural businesses(5)stimulate the enthusiasm of developing rural financial business.Based on the questionnaire survey data and local development status,this paper analyzes the problems in the development of rural financial business of Postal Savings Bank YC Branch,which has strong literature value in terms of research materials;The proposed development strategy has a certain degree of innovation,and also has the reference value of peers and policy formulation in the existing practice.