The rural revitalization policy dividend frequently comes out to crack the rural financial development difficult and pain points

Joint effort to solve the difficult point of the development of rural financial development

The rural rejuvenation policies have frequently emerged, and rural financial reform and development ushered in new important nodes. For financial institutions, strengthening rural rejuvenation financial services is not only the actual needs of solving the imbalance of rural financial supply and demand, but also the inherent requirements for the high -quality development of the financial service economy.

After years of development, my country's rural financial services have made great progress. Especially in recent years, large state -owned banks have continued to sink services, which has greatly improved the visibility and convenience of rural financial services, which has provided strong support for rural agricultural development. At the same time, we must also see that as rural revitalization continues to deepen, the shortcomings of rural financial services are becoming increasingly prominent. Although some financial innovation products are crowned in the "farm", the design of the design with the rural industry cannot effectively meet the actual needs.

The financial services provided by commercial banks are increasingly prominent to do not match the actual supply and demand of agriculture and rural areas. The specific manifestations are in three aspects: First, the bank serves the phenomenon of heavy deposits and light loans in rural areas, and the lack of credit loans in pledge loans. There are more distribution, and the lack of investment in new agricultural business entities such as small agricultural cooperatives and family farms; the third is that banks have their own recruitment in serving rural revitalization. Infrastructure construction and rural industry integration development projects have a large funding gap, and it is easy to be trapped in a state of poor progress.

Rural financial services need to be upgraded urgently. From the perspective of the policy, this year's Central Document No. 1 has first listed "strengthening rural revitalization financial services" as an important content, and puts forward higher hope for the financial industry to increase support for rural rejuvenation, which also means that finance helps rural revitalization. Mentioned a new height. In October last year, the "first order" of deepening the reform of the Agricultural Credit Society -Zhejiang Province deepened the pilot implementation plan of the rural credit cooperatives with approval by the State Council. By April this year, Zhejiang Rural Commercial and Commercial United Bank was officially established. Promoting and implementation in a background.

The rural rejuvenation policy dividends have come out, and rural financial reform and development have also ushered in new important nodes. For financial institutions, strengthening rural rejuvenation financial services is not only the actual needs of solving the imbalance of rural financial supply and demand, but also the inherent requirements for the high -quality development of the financial service economy.

The banking industry should further promote the supply -side structural reform and take the initiative to optimize the agricultural financial supply. The CBRC issued the "Notice on the Comprehensive Promoting Promoting Key Work of Rural Rejuvenation in 2022" by the CBRC issued in April. Policy banks should combine their own functional positioning to strengthen credit support for the development of agricultural industry and the construction of agricultural and rural infrastructure; large and medium -sized commercial banks increase the expansion of the first loan households, and provide financial services for customers who have not previously obtained loans from banks ; Rural small and medium -sized banking institutions and other local legal person banking institutions have continuously enhanced the service capabilities of rural revitalization and corporate governance, and accelerate the reform of rural credit cooperatives.

Policy banks have particularly natural advantages in supporting rural revitalization. Some agricultural -related projects such as rural infrastructure construction, ecological environment transformation, agricultural technology, etc. need long -term investment, large amount of funds, long return cycles, and low short -term returns. Traditional financial products of commercial banks are difficult to match the financing needs of these projects. Policy finance has both financial and fiscal attributes. It can provide long -term and low -interest credit funds, can better make up for the shortcomings of commercial banks, and prevent commercial banks from failed to serve rural finance. Recently, the Ministry of Agriculture and Rural Affairs, with the National Development Bank and China Agricultural Development Bank, intends to innovate and promote the comprehensive and comprehensive financial service model of the county, and provide long -term, stable, large, low -cost credit funds for the exploration of eligible agricultural modernization demonstration zones. Give full play to the beneficial attempts of policy finance.

Rural rejuvenation requires more participants. In addition to banking financial institutions, more financial institutions must guide more financial institutions to serve the countryside. For example, securities companies can give full play to their own advantages and support eligible agricultural -related operators through direct financing through the capital market to cultivate a number of high -quality agricultural -related listed companies to promote the realization of agricultural scientific and technological innovation goals; insurance companies' products can supplement rural credit Insufficient, strengthening farmers' ability to fight agricultural uncertainty is a solid backing and strong guarantee for rural revitalization; insurance and futures companies can further improve the "insurance+futures" services, explore and promote more specialty agricultural products to become futures trading varieties, support Agricultural and rural business entities carry out risk management through the futures market to carry out risk management, and explore the establishment of a linkage mechanism between agricultural insurance and financial derivatives.

In addition, the relevant regulatory work needs to be strengthened and coordinated, and the agricultural fund -related financial channels need to be further smooth. The spirit of all parties should actively solve the difficult and pain points of rural financial reform and development, and provide more financial assistance for creating a new situation of rural revitalization.

- END -