Innovative Research On Credit Services For Rural Revitalization Measures Of JZ Rural Commercial Bank

On 13 February 2023,the "Opinions of the Central Committee of the Communist Party of China and the State Council on the Key Work of Comprehensively Promoting Rural Revitalisation in 2023" was released,and the word "finance" was mentioned in "6places" in the No.1 document of the Central Government in 2023,which provides a direction for financial services.This has pointed out the direction for the revitalization of rural areas.The document once again emphasizes the need to improve the mechanism of diversified investment in rural areas,and financial institutions should increase the investment of credit funds in areas related to rural revitalization,invest more financial capital in agriculture and rural areas,and guide credit guarantee business to agriculture and rural areas.This series of relevant cultural policies are closely related to rural financial institutions.As a local financial institution,JZ Rural Commercial Bank is the backbone of rural finance and has given full play to its role as the main financial force in rural revitalization.Supporting rural economic development and improving rural credit services are the most important political tasks of JZ Rural Commercial Bank at present.However,in the process of helping rural revitalization,the existing credit services of JZ Rural Commercial Bank can no longer meet the development of modern rural economy.How to carry out innovative credit services and improve the level of rural financial services is an important issue that JZ Rural Commercial Bank needs to solve in helping the development of rural revitalization.Based on the research logic of problem formulation,problem identification,problem analysis and problem solving,this study takes the credit service of JZ Rural Commercial Bank as the research object,adopts research methods such as literature research method and quantitative analysis method,and takes theories related to rural revitalization and rural financial development theory as the theoretical basis.Through analyzing the current situation of credit service for rural revitalization of JZ Rural Commercial Bank,the problems of unclear credit service path,backward credit service mechanism,complex credit service process and single credit service product in credit service for rural revitalization of JZ Rural Commercial Bank were put forward.Later,through the construction of a regression model,it is proved that the credit investment of JZ Rural Commercial Bank can contribute to the development of rural revitalization in Jingzhou City.Therefore,it is proposed that the coverage,accessibility and balance of financial services for the "three rural areas" should be continuously improved through credit service path innovation,credit service mechanism innovation,credit service process innovation and credit service product innovation.This thesis combines the actual situation of rural finance in Jingzhou City,selects JZ Rural Commercial Bank as a specific research object,and conducts a comprehensive study on the rural revitalization strategy and the credit services of JZ Rural Commercial Bank as a local financial institution,which will further enhance the efficiency of JZ Rural Commercial Bank in supporting agriculture and benefiting farmers,and has certain significance for the research and development and promotion of special agricultural products by fellow banks to promote rural revitalization.It will also help Jingzhou City achieve the goal of its rural revitalization strategy.