The Research On Loan Management Dilemma Of JT County Bank

County Bank is the backbone power for small service-type businesses and "Three Rural Areas" agriculture.It plays an important role in promoting the development of rural financial market,improving the quality of financial services and improving the supply of rural finance.With the increasingly fierce competition in the bank,the reform of interest rate marketization is gradually deepened and the Bank of JT Village faces great challenges.There are serious problems such as declining loan balance,decreasing interest on loans,loss of loan customers and initial exposure of non-performing loans.This is also a common problem facing China village banks.In order to get rid of the loan business dilemma of JT Village,taking the loan business as the research object,we use literature analysis,empirical analysis,questionnaire survey and other methods to conduct in-depth research.The results show that the main reasons for the difficulties of the banks are limited policies,low social recognition,and lack of innovative products and talents.On this basis,according to relevant marketing and economic theories,we put forward some countermeasures and suggestions from the aspects of variety innovation,optimizing scientific and technological means,insisting on positioning,relying on the government and launching the bank,strengthening the internal management and control and so on.