| Our country has taken the sustainable development of “rural areas,agriculture and farmers” as the primary goal orientation in the strategic development process of promoting urban-rural integration and rural revitalization.The requirements,directions and objectives of rural financial services for rural revitalization are clarified.On the way of making the exploration on something suitable for rural financial development,rural commercial banks have become the key role of agricultural financial reform by virtue of their unique congenital advantages and historical accumulation.At the same time,the rural commercial banks also shoulder the important task of financial support and benefit to agriculture,which makes the influencing factors and decision-making mechanism of rural commercial banks more complicated.The rural commercial banks have ushered in good opportunities for rapid development in the face of the constant development of domestic market economy and the sudden rise of Internet finance.However,they have also suffered risks and challenges from all aspects.Therefore,the current key work of rural commercial banks in the rapidly changing market environment lies in how to overcome the shortcomings and constraints of their own hardware,software and technical level,give full play to their advantages and improve the level of fund management,so as to promote rural commercial banks to optimize the asset structure,realize transformation operation,enhance comprehensive benefits and competitive strength,and explore a practical,feasible and high-efficiency road.In this thesis,the T County Rural Commercial Bank is taken as the research sample.By taking the rural financial theory,resource allocation theory,financial efficiency theory and financial analysis theory as the research basis,the allocation situation of agricultural funds of T County Rural Commercial Bank is analyzed.Firstly,the business levels of its agricultural fund allocation is interpreted based on the background that the overall operating efficiency of T County Rural Commercial Bank is low,including the current situation of allocation process,total amount and structure.Secondly,the changes of the bank’s own financial data over the years are compared vertically,the change range of increase and decrease and the trend of growth over the years are analyzed,so the fluctuation situation of its agricultural fund allocation efficiency is evaluated,including agricultural fund allocation efficiency,agricultural loan quality control,agricultural fund profitability and social benefits.Horizontally,the multi-factor analysis method is adopted to make the calculation of the three indicators of agricultural fund allocation efficiency of sample banks in the industry,and carry out the ranking for the comprehensive coefficient.According to the comprehensive comparison,it finds out the existence of some problems,such as the insufficiency of T County Rural Commercial Bank’s allocation efficiency of agricultural fund deposit and loan,the single product type,the high concentration degree,the inflexible business structure setting,and the hidden dangers in the issuance and recovery management of agricultural loans,which leads to the inhibition of the issuance of new loans while avoiding risks.The income-generating effect of the intermediary business with a single variety that does not match the needs of the rural financial market is sluggish,the single profit channel and frequent heavy losses make its agricultural fund allocation efficiency rank behind,and its market competitiveness is obviously insufficient.Finally,the main reasons for the insufficient efficiency of T County Rural Commercial Bank’s agricultural fund allocation are analyzed in this thesis,in which the business R&D,marketing channels,team construction and so on are covered.Then,the optimization measures of allocation efficiency are proposed respectively,so that the benign development of T County Rural Commercial Bank’s agricultural fund business can be promoted. |
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