Innovate and improve the ecological environment of agriculture, countryside and farmers, and establish a rural financial ecological environment that adapts to the new normal.
Under the new normal, a good financial ecological environment is an important prerequisite for rural financial reform and development. First of all, to establish and improve the rural financial laws and regulations system, the government should actively promote rural financial legislation, introduce relevant laws and regulations to protect rural finance as soon as possible, and strengthen the law enforcement of rural financial institutions. Secondly, carry out extensive credit culture construction activities. Carry out "financial literacy" for agricultural enterprises and farmers, and earnestly safeguard financial creditor's rights; Further carry out the credit rating activities of rural enterprises and farmers, and extensively carry out the activities of establishing credit enterprises, credit towns, credit villages and credit farmers, so that the concept of "honesty is gold and honesty is wealth" is deeply rooted in the hearts of the people, and honest enterprises and honest farmers can get more credit support and more entrepreneurial development financial services, forming a positive incentive mechanism; Put the untrustworthy person on the blacklist of "no credit" and impose joint credit punishment on "Lao Lai". Thirdly, improve the credit guarantee system and risk sharing mechanism, improve risk prevention ability, and effectively disperse rural financial risks. Finally, it is necessary to establish and improve the rural financial risk early warning system. Combined with the characteristics of rural financial risks, strengthen financial risk monitoring, pay close attention to the quality of rural financial credit assets under the background of the new economic normal, strengthen the monitoring and analysis of off-balance-sheet business and inter-bank business risks of rural financial institutions, set early warning indicators for early warning intervals, issue early warnings to financial institutions and financial supervision departments in a timely manner, and timely put forward countermeasures and suggestions for the safe operation of rural finance and risk disposal plans.
Innovate and promote diversified products and services, and create special products and services that belong to the new normal rural finance.
In the innovation of rural financial products and services, we should always adhere to the principle of "satisfaction, convenience and availability" of rural financial services and implement them in a timely, effective and steady manner. First, implement the spirit of the Third Plenary Session of the 18th CPC Central Committee, guide local rural financial institutions to constantly innovate service mechanisms and product strategies, and vigorously promote the innovation of "low-cost, replicable, sustainable" and "tailor-made" rural financial products and services. Second, in accordance with the reform plan of "giving farmers more property rights" in the Third Plenary Session of the 18th CPC Central Committee and the Central Rural Work Conference, and in accordance with the requirements of the Central Committee on the separation of rural collective land ownership and contracted management rights and the transfer of management rights, we will prudently and steadily promote the pilot work of rural contracted land management rights and mortgage loans for farmers' housing property rights, explore the realization of farmers' mortgage and guarantee rights to share in rural collective assets, and promote the scale of agricultural production, agricultural modernization, farmers' income increase and coordinated urban and rural development. The third is to reorganize and revitalize the rural financial service system, with institutions extending downwards and the center of gravity moving downwards, taking the lead in "serving". In addition to comprehensively transforming and upgrading the existing rural financial outlets into boutique outlets and benchmark outlets, and improving service quality, it is also necessary to set up simple service outlets in mountainous areas and key villages with scattered living and inconvenient transportation, set up "mobile banks", and regularly carry out "financial service activities in the countryside" to reduce the blank spots in the financial service network and open the door for farmers to provide financial services. Fifth, under the premise of controllable risks, we will innovate and carry out the characteristic business of agricultural loans to meet the credit needs of customers, help farmers realize asset appreciation, strengthen service coverage and diversify their income structure through funds, insurance and wealth management projects.
Optimize and improve the quality of employees and cultivate rural financial professionals who adapt to the new normal.
The special nature and inherent requirements of finance determine that the industry requires higher quality of employees. However, due to various reasons, the reform and development of rural finance is currently facing the problems of talent shortage and low quality of employees. Therefore, under the new normal, rural financial reform and development must attach great importance to the optimization of human resources structure from a strategic perspective. First of all, learn from the successful experience at home and abroad and improve the human resource management system. According to the actual needs of regional rural industrial structure or rural financial reform and development, we should establish a talent management system suitable for our own development, improve the talent training mechanism, selection and appointment mechanism, evaluation and discovery mechanism, and incentive and guarantee mechanism, and form a long-term mechanism for talent construction through scientific and reasonable institutional arrangements. Secondly, strengthen the introduction and training of talents and constantly optimize the structure of human resources. Strengthen study and training, vigorously carry out education activities on agricultural conditions, social conditions and people's feelings, strengthen support for rural financial talents, and strive to improve the ideological and political quality, professional quality and professional ethics of rural financial practitioners. Finally, we should further strengthen ideological construction, organizational construction and work style construction, strengthen basic work at the grass-roots level, give full play to the role of grass-roots party organizations as fighting fortresses, and especially strengthen the work style construction of leading cadres at all levels in the rural financial system.
Give full play to the advantages of "big data" in rural Internet finance and promote a new round of rural financial reform and development under the new normal.
Internet finance has multiple advantages of "big data" such as low threshold and high efficiency. The rapid and effective combination of Internet finance and traditional rural finance will further accelerate the development of rural finance. First of all, we should make full use of modern scientific and technological means and platforms, accelerate the promotion of rural financial services such as online banking, telephone banking, mobile banking and self-service banking, break through the "bottleneck" of settlement, provide efficient and efficient services for the financing payment of agriculture, rural areas and farmers, and completely solve the "last mile" problem of financial services to the masses. Secondly, adhere to credit as the mainstay, supplemented by investment and financial management. It is necessary to make full use of the advantages of the Internet, enrich rural Internet financial products, integrate rural idle funds and small funds, use rural funds to help rural economic development, release rural financial demand, and promote rural economic development. Thirdly, competition and cooperation promote the realization of inclusive finance. Traditional rural finance and internet finance are not only competitive, but also complementary and go hand in hand. Only by combining the depth of traditional finance with the breadth of internet finance can we create a new rural financial ecology and implement the national inclusive finance strategy. Finally, big data makes big credit finance. The key to big credit finance is "big", which comes from the application of big data science. Big credit finance can save the time of personal credit evaluation, quickly calculate personal credit to give financial support, greatly improve financial efficiency, truly separate credit management from fund management, and promote the healthy development of rural internet finance.