At present, the low level of rural financial development has become a pain point and difficulty that restricts the work of agriculture, countryside and farmers and promotes rural revitalization. Modernization of agricultural financial services is an important field of financial services to the real economy. Only by increasing capital investment in agriculture, rural areas and farmers can we provide more guarantee for the priority development of agriculture, rural areas and farmers. At the same time, the demand of rural farmers for diversified and multi-level financial products and services is increasingly urgent, and the existing financial supply is difficult to meet their actual needs. In this regard, it is necessary to further promote the structural reform of the financial supply side, invest more financial resources in key areas and weak links of agriculture, rural areas and farmers, and better meet the financial needs of rural revitalization.
The first is to improve the rural financial service market system. The rural financial service market involves credit, insurance, futures, options and other fields. The more perfect the rural financial service market system is, the higher the level of financial service for rural revitalization will be. At present, the enthusiasm of banks to operate agricultural business is not strong, the overall development and guarantee level of agricultural insurance is not high, and the futures option market is not closely related to ordinary agricultural production and operation organizations. Compared with the actual demand of rural revitalization, the rural financial service market still has a lot of room for improvement.
The second is to increase credit support for agriculture, rural areas and farmers. Increasing credit support for agriculture, rural areas and farmers is an important embodiment of promoting agriculture, rural areas and farmers to obtain more financial resources. With the rapid development of new agricultural formats, rural credit demand presents a trend of long-term, large-scale and diversification, but the existing financial supply is still difficult to adapt to the changes in this demand. Because the rural financial market has the characteristics of low income and high risk, financial institutions lack the initiative to allocate credit resources to rural areas on a large scale. In this regard, we need to further strengthen policy guidance.
The third is to steadily promote the innovation of financial products and services. Promoting the innovation of products and services such as agricultural credit, guarantee, investment and financing is not only a realistic need to better meet the diversified financing needs of rural revitalization, but also an inherent requirement to further promote the structural reform of the financial supply side. At present, there are few varieties of rural financial products and financial services are relatively backward. The task of rural financial product and service innovation is still arduous.
The fourth is to create a good rural financial ecological environment. A good financial ecological environment is an important foundation for financial assistance to rural revitalization. On the one hand, we should work hard on "hardware" and strengthen the construction of rural financial infrastructure; On the other hand, we should work hard on "software" to solve the problems of asymmetric credit information and poor protection of financial consumers' rights and interests.