Lixin Youth Student Sanxiangxiang: Rural financial market risk field survey

From July 15th to August 31st, 2022, the college students of Shanghai Lixin Institute of Accounting and Finance "went to the countryside" to investigate the development of rural financial markets and interviewed the village banks and villages of 16 provinces. While research, I hope to accelerate the innovation of rural financial services.

Shanghai Lixin Accounting Finance College "Sanxiangxiang" team

Strengthen the credit construction of rural finance. Credit is the foundation for building rural finance. By establishing a good rural credit guarantee mechanism, credit rating mechanism and credit increase mechanism, promote the reform of rural financial institutions, reduce the impact of financial risks on farmers' wealth management, ensure the basic rights and interests of farmers, earn money to earn money to earn money Some people believe, no risk. On July 22, we learned that Ms. Zhang in Xinbei Village, the academy town of Pudong New District, Shanghai, needed money for surgery, but had no choice but to transfer the land in Ms. Zhang's house, more than 1,000 yuan per acre of land per year. Ms. Zhang said that the land of every family in the village has now passed out, and the land that is circulated is basically used to grow rice and trees. Regarding the aspects of wealth management and stocks, Ms. Zhang said that many people she knew had a lot of money in this regard. On the one hand, she felt that she did not know about this aspect. With the development of the times and technology, strengthening rural financial credit construction, popularizing financial knowledge, allowing more people to feel, and using financial knowledge is the primary goal of rural finance.

Ask Ms. Zhang's understanding of finance

Popularize the education and training of rural grassroots financial knowledge. Attach importance to the construction of financial talents in rural financial institutions in rural areas, and cultivate and introduce a group of financial talent teams that take root in rural areas. At the same time, strengthen financial knowledge propaganda and financial knowledge training, and improve farmers' financial knowledge and integrity. On August 13, Mr. Wang was very unlikely to the development of village and town banks at the peach planting base. He believed that the internal structure of village banks was complex, there were many social capital behind it, and consumers often used high interest rates to invest in consumers. However, once natural disasters and human disasters occur, they will cause a lot of losses to the harvest. Unlike several agricultural technology companies next door, high -tech, high output, high quality, automation, do not need a large number of people to realize the continuous stop all -year Vegetable and vegetable breeding. Therefore, the popularization of financial knowledge, strengthening financial education and training will help to activate the endogenous capabilities of farmers to increase their income and become rich, improve agricultural production efficiency, and provide sufficient social capital and financial capital for the promotion of large -scale and modernization of agriculture.

Mr. Wang's collection base

Interview with a couple

Promote the innovation of rural financial instruments. Promote financial technology such as mobile finance and strengthen the level of rural green credit services. In recent years, the support for village banks has weakened year by year. The bank projects that originally included farmers and farmers have lost their competitiveness. In addition, the borrowing interest rates of the four major banks have decreased year by year, and the living space of village banks has also been squeezed. And there are organizations similar to rural cooperatives in the local area, but the interviewees learned that the organization was composed of the village chief, other cadres and family members in the village. In addition to normal subsidies, this cooperative organization also enjoys other national preferential policies (such as:: The national policy of funds, support policies, etc.), ordinary farmers lack channels, lack relationships, and have high entry thresholds, so they cannot enjoy such preferential policies.

Learn about relevant information through cadres

Attach importance to the construction of financial talents in rural financial institutions in rural areas, and cultivate and introduce a group of financial talent teams that take root in rural areas.

Summer social practice

At the same time, strengthen financial knowledge propaganda and financial knowledge training, improve farmers' financial knowledge and integrity, and promote innovation of rural financial instruments. In the era of mobile Internet, improvement of financial awareness can inspire farmers to flexibly allocate funds, optimize financial investment behavior and pay attention to financial security issues. Promote the cultivation of rural inclusive finance and financial technology, so that more farmers can better adapt to the requirements of new agriculture and modern agricultural development, improve the ability to obtain stable income, go deep into the rural financial market, and understand sustainable development research.

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