What is the business model of the financial system of agriculture, agriculture and agriculture?

Hello, the three rural financial system is a high-end Internet financial system solution for Dimeng to build a "rural, agricultural, and farmer" financing service system for enterprises. It is suitable for financial models such as crowdfunding financing, credit loans, consumer finance, agricultural insurance, and agricultural product chains, and makes up for the shortcomings of traditional financial institutions in rural small loans, wealth management and other financial services by using innovative means of Internet + rural finance, and greatly improves the coverage and penetration rate of rural inclusive finance. Hope it can help you!

Its business model:

However, there are still some resistance to product innovation, which affects the real realization of banks"Customer-centric"The business philosophy also hinders the improvement and long-term development of core competitiveness. It is prominently manifested in the following: traditional thinking such as re-scale expansion and assessment of re-deposit loan indicators still exist to varying degrees in banks, and the importance of product innovation is still not well understood; Product innovation is still product-oriented, not truly customer-centric, and the degree of customer loyalty and core value creation is not high; The phenomenon of product homogenization is prominent, and the level of innovation is low; The management system and internal organizational structure of the current head office and branch system hinder the vitality of product innovation to a certain extent. The operation mechanism of product innovation is not smooth enough, the efficiency is low, and it is difficult to better meet the needs of market development; Weak risk awareness and relatively lagging behind the construction of rules and regulations and risk management systems supporting innovation have affected the risk management of new businesses and new products by commercial banks.

The term "agriculture" refers to rural areas, agriculture and farmers. The so-called "three rural" problems refer to the three problems of agriculture, rural areas, and farmers. The financial promotion of agriculture, agriculture and agriculture is a necessary way for the economic development of agriculture, agriculture and agriculture.

In fact, this is a trinity of residential area, industry and subject identity, but the three have different emphases, and the above three issues must be considered in an integrated manner. China is a big agricultural country. The "three rural" issues are related to the quality of the people, economic development, social stability, national prosperity and national rejuvenation.

"Three rural issues" refers to the three problems of agriculture, rural areas, and farmers. In fact, this is a trinity of industry, residence and subject identity, but the three have different emphases, and the above three issues must be considered in an integrated manner.

The finance of agriculture, agriculture and agriculture can be understood as the economic supply behavior based on the problems of agriculture, agriculture and agriculture.

It is necessary to grasp the direction and focus of the "three rural" financial services of the Internet, highlight the main business of the "three rural" financial services, expand the coverage of inclusive finance, and move more "three rural" businesses to the Internet through the use of the Internet and big data technology, so as to solve the problems of difficult and expensive financing of the "three rural" and the entry of agricultural products into the city, so that more customers of the "three rural" can use the products of the Agricultural Bank of China, integrate into the network of the Agricultural Bank of China, and enjoy the Internet financial services of the Agricultural Bank of China.

In this process, it is necessary to closely follow three main lines:

First, basic financial services, through the upgrading and transformation of the Internet, the "Golden Harvest Huinongtong" service point has become a multi-functional Internet financial service "three rural" important nodes;

The second is the most important online financing service, which provides loans to rural customers in batches and on a large scale on the basis of accelerating the standardization and online transformation of traditional rural household loans, so as to solve the cost, efficiency, risk and other problems faced by rural household loans;

The third is e-commerce financial services, which is an important supplement to the "three rural" Internet financial services of the Agricultural Bank of China, and must have a clear positioning and make the characteristics of the Agricultural Bank of China.

It is necessary to actively and steadily promote the Internet "three rural" financing services. It is necessary to adhere to the basic principles of the operation of commercial banks' credit business, and use Internet means to select good accounts, control good conditions, and control risks.

It is necessary to start from the aspects of brand, system and system, unify the bank's Internet "three rural" financing service brand, build a good Internet service "three rural" financing database, build a complete set of credit system suitable for it, and do a good job in the overall design of financing services.

It is necessary to encourage all walks of life to develop ideas, have the courage to explore, actively innovate, make characteristics and brands, and form a good situation in which a hundred flowers bloom.

It is necessary to prevent and control Internet financial risks in a forward-looking manner, and establish a set of Internet financial risk management and control mechanisms with the characteristics of "three rural".