Research On Innovative Development Path Of Credit Business Of Rural Credit Cooperatives In H City Under The Background Of Rural Revitalization

After the manage COVID-19 with measures against Class B infectious diseases,the development of rural revitalization has ushered in a good development opportunity.As the backbone of rural finance,rural credit cooperatives provide necessary funds for the smooth promotion of rural revitalization strategy,which is not only the responsibility of banks,but also a good opportunity to enhance their core competitiveness and seek their own sustainable development.However,in recent years,with the increasingly fierce competition in the banking industry,some rural credit cooperatives have gradually deviated from the purpose of "facing and serving agriculture,rural areas and farmers".The credit business provided is also difficult to meet the needs of diversification and quantification of funds in the process of rural revitalization.Without innovation,rural credit cooperatives face difficult difficulties.But how to innovate? The rural revitalization strategy provides unspecified requirements.Based on the research content of credit business innovation of rural credit cooperatives in H city,this thesis analyzes the opportunities and challenges faced by credit business innovation of rural credit cooperatives in H city under the background of rural revitalization strategy,starting from the current credit business situation of rural credit cooperatives in H city by means of questionnaire survey and literature research.Taking the credit customers of rural credit cooperatives in H City as the object of investigation,this thesis investigates the credit services of rural credit cooperatives in H City,and puts forward the necessity of credit business innovation and the problems they may face in the process of providing credit business innovation.The results of the questionnaire survey show that there are some problems in the innovation of credit products in the innovation of credit business of rural credit cooperatives in H city,such as the gap in the innovation design of credit products,the high threshold of guarantee mode of credit business,the slightly single innovation of credit capital channels,the high pricing cost of credit funds,and the imperfect early warning system and information feedback management mechanism of credit innovation risks.Therefore,rural credit cooperatives in H City should find out their own strategic positioning and seek multi-party cooperation in promoting credit business innovation.Rural credit cooperatives in H City should base on the market positioning of "supporting agriculture and supporting small and micro",constantly innovate in credit products,guarantee mode,product pricing,risk prevention and control,publicity and other aspects,strengthen internal quality,establish external image,actively innovate financial support methods,and continuously improve the quality and efficiency of financial services.In order to better promote the development of the credit business of rural credit cooperatives in H City,enhance their ability to serve "agriculture,rural areas and farmers",make continuous efforts in helping rural revitalization and serving the real economy,inject more financial capital into the economic development of rural areas in H City,and make positive contributions to the high-quality development of rural revitalization in H City.