since the reform and opening up, Gansu has rebuilt the rural financial system. Especially in recent years, a multi-level rural financial system has been initially formed in the vast rural areas, which mainly includes banking financial institutions, including guarantees, micro-loan companies, "double-linked loans for benefiting farmers", "civilized farming" loans, insurance and securities, etc. It has continuously increased credit support for agriculture and improved the level of financial services, injecting vitality into farmers' income, agricultural development and rural prosperity. However, judging from the reality of the work concerning agriculture, rural areas and farmers in recent years, the lack of capital investment in rural financial markets, the difficulty in obtaining loans and the high cost of financing have become the main bottlenecks restricting rural economic and social development. Agriculture and farmers are still at the edge and end of financial services, without effective support from financial funds, which directly restricts rural development and farmers' income increase. Gansu is an underdeveloped province. It is the central task for the whole province to build a well-off society in an all-round way with the whole country by 22, which is the grand goal we must achieve. To this end, we propose to basically eliminate poverty in 217, which means that the vast rural areas must also achieve leap-forward development, which is a very arduous task for Gansu with harsh natural conditions, poor development foundation and relatively large number of poor people. In this sense, it is more urgent than ever to vigorously develop modern rural finance, promote agricultural efficiency and increase farmers' income. At present, the most important thing is to work hard to break through the main bottleneck of expensive financing and difficult loans in rural areas, and introduce abundant, stable and preferential financial funds for rural areas, thus providing financial guarantee for rural development and farmers' income increase. Focusing on the goal of eradicating poverty in 217 and achieving a well-off society in synchronization with the whole country in 22, we should focus on meeting rural financing needs, adhere to equal emphasis on financial support and government support, market orientation and policy support, strengthen services and prevent risks, and strive to expand the coverage of rural financial services and innovate financial products and service methods. Efforts should be made to build and improve a rural financial service system based on cooperative finance, guaranteed by policy finance, supplemented by commercial finance and widely participated by the whole society, so as to guide all kinds of funds and economic resources to invest in rural areas, make it easier for farmers to obtain loans, handle business more conveniently and provide more favorable service fees, and thus promote the healthy and rapid development of rural economy. 1. Further deepen rural reform and strive to expand and improve the rural financial service system. Cultivating and developing a diversified, competitive and efficient rural financial service system is the basic measure to solve the shortage of funds for rural development. At present, we should consider opening the rural financial market moderately, relaxing the restrictions on rural financial market access, and accelerating the formation of a rural financial system with policy financial institutions and rural credit cooperatives (rural cooperative banks) as the main body, with state-owned commercial banks, rural insurance institutions and various types of rural financial organizations directly participating, so as to provide farmers with all-round rural financial services. First, rural credit cooperatives and rural cooperative banks, on the basis of doing a good job in small-scale farmers' credit, further improve credit loans for farmers' scale breeding industry and joint loans for farmers, and at the same time increase support for agricultural product processing enterprises; Second, on the basis of continuing to promote warehousing loans and loans from leading processing enterprises, policy banks continue to explore new ideas and models of credit support for rural grassroots construction; Third, appropriately relax the credit line and credit rating evaluation conditions of rural economic organizations and farmers, vigorously promote loan marketing methods, and strive for the synchronous development of agricultural loan increment and agricultural added value; Fourth, explore the establishment of agricultural futures market, actively develop rural securities market, and constantly expand new channels of rural financial supply. 2. Innovate financial products and services. All financial institutions should proceed from the characteristics of rural financial demand, innovate financial products and improve service quality. First, make good use of existing financial products. Women's small secured loans, "double-benefit loans", "Zhonghe rural credit cooperatives" and "farming civilization" loans should be constantly improved to achieve more convenience and efficiency and benefit the majority of farmers to the maximum extent. We will implement the 8 billion yuan poverty alleviation and development loan project signed by CDB to create conditions for accelerating infrastructure construction in poverty-stricken areas. The second is to innovate diversified financial products. It is necessary to proceed from the reality in rural areas, and take group credit that combines large, medium and small, long and short term, according to the characteristics and laws of the development of agriculture and animal husbandry. Encourage the development of small credit loans, small secured loans, mortgage secured loans and other rural financial products. It is suggested that small loans of less than 5, yuan can be directly granted by credit, so as to minimize the loan review procedures. The third is to build a diversified and multi-level rural financial system close to "agriculture, countryside and farmers", continue to encourage the development of new financial institutions in counties, and support the development of farmers' mutual funds organizations, small loan companies and village banks. 3. To achieve effective coordination between finance and finance. It is necessary to innovate the use of financial funds and give full play to the role of financial funds. First of all, while increasing the discount funds for agricultural loans at all levels, it is necessary to integrate all kinds of agricultural funds, cut out a part of the integrated funds for loan discount, continuously improve the ability of financial funds to guide credit investment, and support all financial institutions to expand the scale of productive loans to farmers. Secondly, it is necessary to improve the reward system for the performance of agricultural loans of financial institutions, and commend and reward financial institutions that have invested heavily and achieved remarkable results. We will further formulate and improve policies such as financial discount, tax preference, risk compensation and expense subsidy for agricultural loans of financial institutions, and form an incentive mechanism for financial support for the development of agriculture, rural areas and farmers. 4. It is necessary to improve the loan guarantee mortgage method. The difficulty of guarantee mortgage is a prominent problem that restricts the development of rural finance at present, and we must focus on solving it. First, it is necessary to continuously increase the injection of financial funds into policy guarantee institutions, establish a subsidy system for guarantee fees, clarify the subsidy standards for guarantee fees, continuously improve the credit rating of guarantee, and enhance the ability of policy guarantee. At the same time, support the establishment of private guarantee institutions to provide multi-level guarantee services for agriculture-related loans. The second is to explore and expand the scope of rural mortgage collateral. Accelerate the registration, certification and confirmation of rural land contractual management rights, forest rights, homestead use rights and collective income distribution rights, establish intermediary agencies for property right evaluation and transaction disposal, and create conditions for "four rights" mortgage loans. The third is to implement a variety of effective guarantee models. Vigorously develop rural cooperatives and leading enterprises, and encourage them to guarantee the credit of members and order farmers. At the same time, actively promote joint household guarantee and give full play to the role of rural acquaintances' credit. The fourth is to establish a risk sharing mechanism for agricultural loans. Because of the fragility and instability of agriculture and animal husbandry, the relative risk of agriculture-related loans is relatively high, which is the main obstacle to the continuous supply of agriculture-related loans. It is necessary to arrange a certain amount of risk reserve funds for agricultural loans, and compensate financial institutions for their losses when the market changes violently and they suffer major natural disasters. In addition, it is necessary to vigorously promote the insurance business for agricultural and animal husbandry production, support insurance companies to start insurance businesses such as facility breeding and forest and fruit industry, and increase the premium subsidies for agricultural commercial insurance, so as to reduce the loan risk of agricultural production. At the same time, financial institutions are encouraged to actively explore the mode of joint credit and division of labor loans for key agriculture-related projects to spread loan risks. In short, it is necessary to share the loan risk through the government, banks, insurance, guarantees, loan subjects and other aspects, so as to prevent heavy losses caused by irresistible factors. 5. Strengthen the construction of rural credit system and create a good financial ecological environment. First, extensively carry out financial knowledge education, so that the majority of farmers can learn to deal with financial institutions and avoid being involved in some illegal or illegal financial activities, which will cause losses to their modest income. Second, we should adopt practical publicity methods that are easily accepted by farmers, continue to carry out daily or special publicity in depth, and raise the awareness of honesty and trustworthiness of agriculture-related enterprises and farmers. Third, we will earnestly promote the construction of social credit environment and financial legal environment, introduce relevant measures to protect the legitimate rights and interests of rural credit cooperatives and reduce the cost of safeguarding rights of rural credit cooperatives, and create an honest and trustworthy social atmosphere. Fourth, various functional departments should strengthen cooperation, exchange policy information and regulatory information with each other, realize the sharing of credit information in rural areas, and promote and improve the rural credit environment. Fifth, on the basis of scientific design and evaluation index system, through monitoring and analysis, we will focus on and purposefully carry out rectification activities for towns and villages with weak credit system construction. 6. Strengthen the management of private lending and further standardize and utilize private capital. Judging from the actual development, the advantages of rapid development and flexibility of private lending have a strong complementary effect with formal finance. Therefore, it is necessary to further standardize and guide private lending, fully mobilize the enthusiasm of private finance and private capital, and develop various types of microfinance organizations to meet the diversified economic needs of rural economic entities and make them an important supplement to the rural financial system. (Ouyang Jian is the deputy secretary of the Gansu Provincial Party Committee)