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How should commercial banks use rural microfinance to support the construction of agriculture, countryside and farmers?
Focusing on supporting the development of production and increasing farmers' income, we will establish a green channel conducive to increasing credit supply to farmers and effectively improve rural financial services.

(A) to expand the total amount of credit business

1. Improve service means, participate in market competition, improve the ability of independent financing, and provide a material basis for expanding the total credit operation.

2. Expand the scale of farmers' loans. Starting from two aspects: increasing the scale of single-family loans and expanding the coverage of farmers' loans.

3. Increase support for the processing, transportation and marketing of small-scale agricultural products, and support the non-public economy, small and medium-sized enterprises and county economy, promote rural industrialization, promote the value-added of agricultural products, and extend the agricultural industrial chain. 4. Credit cooperatives in urban-rural fringe will increase their support for non-agricultural economy and county economy, promote farmers' transfer to non-agricultural fields, and increase employment in non-agricultural fields and cities and towns.

(B) improve the quality of credit support

1, make agricultural industry stronger, and credit cooperatives make themselves stronger and support local economic development.

2. Focus on promoting agricultural industrialization, support the popularization of applicable agricultural technologies, support the transformation of production and operation modes, support pollution-free products, green foods and organic foods certified by the Ministry of Agriculture, support the establishment of agricultural brands, and support the development of agricultural circular economy. 3. Support local economic development according to local finance, support small and medium-sized enterprises with clear property rights, high technology content, market, benefit, credibility and sustainable development, integrate customer resources and establish a stable customer base.

(C) improve the credit mechanism for supporting agriculture

1. Establish marketing mechanism, deepen internal reform, change operating mechanism, play the role of positive incentive mechanism, promote credit cooperatives and credit workers to enhance their sense of responsibility and mission, firmly establish market concept, improve working methods and style, actively carry out loan marketing and expand the total amount. 2 establish a credit information mechanism to support farmers, open up ways to deepen the understanding of farmers, agriculture and rural economic development, and master the development information of agricultural industry. One of the ways to strengthen the ability to judge the market risk of agricultural products and provide information and professional technical support for correct credit decision-making is for credit personnel to go to villages and households to master the credit status and credit demand of farmers in detail.