Improving Rural Financial Service Systems:Focus Areas,Optimization Ideas and Priorities
Improving the rural financial service system is an important part of accelerating the construction of a new development pattern and promoting the implementation of the rural revitalization strategy.At present,the types of rural financial demand in China exhibit multi-level,diversified,and differentiated characteristics,and financial services face the structural mismatch between the supply of financial products and the demand for financial services.It is required that the rural financial service system be further improved and perfected.At the same time,the comprehensively promoting of the rural revitalization strategy requires the rural financial service system to practice inclusive finance,adapt to new financial needs,and assume social responsibility.So,To improve rural financial service system needs to face the development status and existing problems of the"five product markets"of credit,insurance,payment,wealth management,and guarantee,clarify the key areas and groups of product innovation in the"five product markets",rationally handle the universality and differences of rural financial products,the relationship between innovative financial products and traditional financial products,and the relationship between profitability and sociality of financial institutions.Based on that,we believe that we should enhance the supply of rural credit to improve the availability of credit for agricultural business entities,improve the construction of inclusive risk management and risk financing systems for agricultural insurance,innovate payment products to remove obstacles to rural digital payments,innovate new models of rural financial management to meet the financial needs of farmers,optimize agricultural guarantee models to achieve a balance between business and scale.
Rural Revitalization Across the BoardRural Financial Service SystemFinancial ProductInclusive FinanceCommon Prosperity
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