Improve the financial service capacity of rural financial institutions

At present, rural financial service is still the weakest link in China's financial service system. with the industrial hollowing out caused by the hollowing out of rural society in some parts of our country, the credit advantage resources that rural financial institutions rely on for survival are gradually lost in some areas. some rural financial institutions have no choice but to give up their rural positions, and some institutions have even become "pumps" of rural funds, making financial services in rural areas increasingly in an awkward position. Therefore, it is very urgent to improve rural financial services in these areas. But this is a social systematic project, not overnight. At present, it is urgent to eliminate some confusion and vague ideas and further improve the ability of rural financial services.

First of all, we should eliminate the confusion between commercial operation and policy functions, and fully release the service vitality of rural financial institutions. For a long time, one of the important reasons for the lack of vitality of rural financial institutions is that they take on too many policy functions. In order to improve rural financial services, we should redefine the service function of rural small and medium-sized financial institutions and separate policy operation from commercial operation (but the policy business undertaken by rural credit cooperatives cannot be separated, and separate accounts should be carried out. The government should give corresponding subsidies or bear capital losses), remove the shackles that restrict the operational autonomy of rural small and medium-sized financial institutions, and coruscate the vitality of operation.

Secondly, we should eliminate the confusion of expanding business space and shrinking rural economy, and comprehensively remove the ideological obstacles of rural financial institutions. At present, more and more rural labor force is transferred to cities and towns in some places, which makes the deposit-loan ratio of some rural small and medium-sized financial institutions getting lower and lower, and huge funds can not find investable credit projects, thus falling into a dilemma. In this regard, rural financial institutions should vigorously expand the growth space of credit business on the basis of doing a good job of small loans, support agricultural industrialization and specialized management projects with new agricultural forms such as rural specialized cooperatives, large specialized agricultural farmers, and family farms as the main carriers, and boldly launch "three-right mortgage" loans to break the difficult deadlock in "agriculture, rural areas and farmers" guaranteed mortgage loans and improve the availability of loans for farmers. At the same time, new credit service products are launched around the supporting service facilities for agriculture, rural areas and farmers, which are urgently needed in the construction of urbanization, so as to achieve a high degree of agreement between rural financial services and urbanization construction.

Third, eliminate the confusion between the lack of effective financial services and rural illegal finance, and firmly establish the financial dominant position of rural financial institutions. At present, due to the idea of "attaching importance to commerce and neglecting agriculture" in rural financial institutions, many restructured rural small and medium-sized financial institutions "wash their feet and come ashore", which tends to serve agriculture, rural areas and farmers seriously, leaving "weak areas" for "agriculture, rural areas and farmers". It opens a convenient door for all kinds of illegal financial activities, which not only impacts the normal operation of rural financial institutions, shakes the solid position of rural financial institutions in supporting agriculture, but also erodes the interests of agriculture, rural areas and farmers. It has affected the development of rural industrial economy. To this end, governments at all levels and regulatory departments should encourage the service of rural financial institutions to "sink." on the basis of doing a good job in the "service department of agriculture, rural areas and farmers," the Agricultural Bank can extend the organization and return to set up physical service outlets in rural areas below the county level. At the same time, actively guide and develop a variety of new rural financial cooperation organizations, strengthen the power of rural legal financial organizations, enrich the means of rural financial services, and meet the diversified financial service needs of agriculture, rural areas and farmers. In addition, we should severely crack down on illegal financial activities in rural areas, and financial supervision departments should establish a financial supervision network in rural areas, strengthen supervision over financial activities in rural areas, ban all illegal financial activities, and purify the financial environment in rural areas.

Fourth, eliminate the confusion of the collision between traditional financial thinking and modern finance, and reshape the service advantages of rural financial institutions. First, timely improve the professional quality of employees, increase the existing staff new business, new knowledge training, at the same time, increase the recruitment of new employees, change the unreasonable pattern of talent structure. The second is to actively learn from the well-managed joint-stock commercial banks, reshape the internal control mechanism, speed up the reform and transformation of the management system, establish a modern bank operation and management mechanism as soon as possible, promote development through reform, and reshape their own service advantages.