Focusing on agriculture, countryside and farmers, what are the pain points of rural finance?

As the saying goes; "Food is the most important thing for the people" and the problem of1300 million people eating with their mouths open all affect the arteries of the country and are closely related to everyone's life. As we all know, as the most basic production link, rural development is related to people's food and clothing. To develop rural areas well, it is necessary to solve the contradiction between rural financial supply and demand, make financial services play a more prominent role in agriculture, countryside and farmers, and promote the sustainable development of rural financial environment.

Make up for the three rural credit and solve the problem of farmers' loan

"Agriculture, countryside and farmers" is the weakest link in the national economy and one of the weakest links in the financial system. The contradiction between supply and demand of rural finance is still outstanding, and the problem of farmers' "difficult loan and expensive financing" has not been fundamentally solved. The rural financial system is far from the urban financial system, and there is still a big gap in building rural finance. Therefore, it is particularly important to improve the rural financial service system and improve the level of rural financial services.

For the financial services related to agriculture, rural areas and farmers, in order to accelerate the economic development of agriculture, rural areas and farmers, it is necessary to improve the work of rural inclusive finance, increase the input of financial resources, expand the coverage of basic financial services and improve the quality of rural financial development. To achieve the above goals, we should do a good job in three aspects.

The first is to improve the risk control system. A sound management policy system and a sound risk control system can better introduce social idle funds into agriculture, rural areas and farmers, enrich the technical means of risk prevention and control, establish a multi-channel risk compensation mechanism, and do a good job in case prevention and control, which will promote the rapid economic development of agriculture, rural areas and farmers. Through the online and offline dual-subordinate risk control system, Jin Fu improves the loan review process, reduces the risk of non-performing loans, fully mobilizes funds for the development of agriculture, rural areas and farmers, and promotes the sustainable development of rural finance.

The second is to strengthen the construction of the credit system. Do a good job in the construction of credit information system from the grassroots level in villages and towns, concentrate the credit information of farmers in various regions through the service agent station model, establish a comprehensive information sharing platform, and realize the interconnection of credit information. Combine the qualifications of farmers, improve the innovation of credit products, break the traditional mortgage loan model, lower the threshold of farmers' loans, provide services such as loan discount and risk sharing for eligible farmers, and solve the problem of "financing difficulties and loan difficulties" more comprehensively.

The third is to increase financial support. Understand the needs of farmers in real time, focus on improving the coverage of rural financial services, and provide diversified basic financial services for farmers in need through the perfect service system of service agency stations. Introduce the unique mode of "Internet plus finance+agriculture, countryside and farmers" and use high-end Internet technology to promote credit business. Integrate all financial services required by farmers, farmers, farmers and financial services, improve credit products according to farmers' different loan needs, enrich the ways and means of loans for farmers, rural areas and farmers, and provide convenient microfinance support for farmers.