Promote the construction of inclusive financial system in rural areas

Inclusive finance in rural areas is a system and way that can provide low-cost, high-efficiency and modern financial services for rural residents. In a narrow sense, in addition to the physical and tangible service outlets, service products and service methods provided by financial service institutions, it should also include starting the financial concept of rural residents, enriching their financial knowledge, broadening financial channels for rural residents, opening up ways of property insurance, and so on.

From the reality of inclusive finance in rural areas, there are still many obstacles to providing inclusive financial services to rural residents, which are mainly reflected in six aspects: first, the vast number of rural villages and towns have not yet formed a perfect financial organization system to provide inclusive financial services for farmers, and the strength of financial services is too weak, inclusive finance can not be achieved overnight. Secondly, rural residents generally have a low level of education and little financial knowledge, so it is difficult to accept financial service knowledge, master service skills and operate financial service tools. Third, historical reasons form a scattered living environment at the present stage, which brings practical obstacles to the implementation of inclusive finance under the influence of backward traffic, information blocking and other factors, and it takes long-term efforts to promote inclusive finance. Fourth, the lack of credit guidance and cultivation of rural residents by the government and financial departments, farmers' credit awareness is still in its infancy, the sense of integrity is not strong, and the rural credit environment is poor, which brings resistance to the promotion of inclusive finance. Fifth, agricultural production is seriously affected by natural disasters, the price market of agricultural products fluctuates greatly, the efficiency of agricultural industry is low, and it is a weak industry, and agriculture-related financial institutions do not take the initiative to promote inclusive financial measures such as agricultural insurance and credit concessions. Sixth, the national financial investment is not enough, and placing the important task of inclusive finance solely on agriculture-related small and medium-sized financial institutions will lead to a lack of stamina for the promotion of inclusive finance, and may also cause agricultural financial institutions to pay huge costs or even lose money for inclusive finance. face greater market risk.

Therefore, the implementation of inclusive finance in rural areas is a social system engineering, which affects the whole body. It should be considered as a whole, scientific system design should be carried out step by step, and it can not be achieved overnight, let alone rash forward. At present, efforts should be made in six areas:

First, the top-level system of financial organizations in rural areas should be designed to consolidate the foundation of inclusive finance. Or spin off the business of rural small and medium-sized financial institutions in the county, realize the separate management and accounting of policy financial business and commercial financial business, and subsidize the policy business by finance; or learn from foreign countries, transform the county agricultural development bank or rural credit cooperatives into policy-oriented financial institutions, specialize in providing inclusive financial services in rural areas, or re-establish policy-related agriculture-related banks and insurance institutions to provide inclusive financial services.

Second, implement the financial education guidance project for residents in rural areas and open the door of inclusive finance. Bring the financial education of rural residents into the scope of government policy assessment, and the government and financial departments should join hands to strengthen the training of financial knowledge for existing rural residents through a variety of ways to enhance the awareness of financial prevention; or bring financial knowledge into the sequence of national education, set up financial education courses from primary schools, comprehensively improve the current situation of lack of financial knowledge of rural residents through long-term efforts, and open the door of universal financial services.

Third, combine the construction of new countryside and the withdrawal and merger of natural villages to create the opportunity of inclusive finance. Combined with the construction of the new countryside, on the basis of farmers' willingness, we should implement the withdrawal and merger of natural villages, realize the gradual concentration of rural residents, comprehensively reduce the cost of inclusive finance, and create opportunities for financial institutions to implement inclusive finance. At the same time, we should speed up the implementation of the supporting reform of the "three rights" of rural land, increase farmers' land property income, and firmly implement the inclusive financial foundation.

Fourth, vigorously carry out the integrity construction project and build a solid dike for inclusive finance. On the basis of the construction of existing credit townships, villages and households, we will comprehensively promote the construction of projects such as information registration, system networking, and information records of rural residents, guide farmers to adhere to the moral bottom line of integrity, and eliminate the worries of rural small and medium-sized financial institutions in implementing inclusive finance.

Fifth, establish and improve the agricultural product reserve system and market production information network to provide inclusive finance. Through this, the blindness of farmers' production can be eliminated, the effective connection between production and market can be realized, the waste of production can be avoided and the loss of production can be reduced. At the same time, the state buys important rural products such as grain, cotton and oil at protective prices, and establishes a reserve system to reverse the adjustment of products when the market fluctuates, stabilize market prices, break the strange cycle of the price cycle of agricultural products, and let farmers reduce market risks. so as to effectively increase income and provide strength for financial institutions to implement inclusive finance.

Sixth, increase financial investment to agriculture-related financial institutions to activate inclusive finance. The government should use "real money and silver" to create a solid security system for banks, insurance and other financial institutions, set up various risk compensation funds, and effectively mobilize the enthusiasm and creativity of financial institutions to implement inclusive finance, so as to stimulate the unlimited vitality of inclusive finance.