A Research On The Loan Model Of Qiyang Village Bank

Currently, the reform of rural banking has entered a new stage. Offering financial services to Agriculture, Rural areas and Peasantry becomes the key points of rural financial works. However, the existing rural financial institution is more and more unable to satisfy the diverse finance demand in rural area. This phenomenon is partly caused by the over-supervision to the financial branch in rural market and the high standard of accessing to the rural finance market. The new financial institution is unable to enter the rural area, thus there is high monopoly in the rural finance market. The Village banks fundamentally change the idea of stocking reform of the rural financial system, thus they can help to build a competitive rural financial market, elviate the contradiction between supply and demand of rural finance, and lower the difficulty in getting loan in rural area.Firstly, the thesis summarizes the relative theories and literatures, and reviews the development model of credit loan business. Secondly, Qiyang Village Bank is taken as the research object, and a SWOT analysis is conducted, then the current situation of Qiyang Village Bank and its loan business is also discussed. Thirdly, according to the market position of Village Bank of Qiyang and the situation of local economy, Credit Loan Model, Credit Group Loan Model, Co-guarantee Loan Model and "Government+Village Bank+Rural Association" Loan Model are respectively analyzed from the perspectives of operating procedures and practical application, Meanwhile, the critical procedures of applying the loan model are planned. Finally, the external and internal guarantee rules are provided, and the expected effects of the loan model are analyzed.In short, to achieve the sustainable development of Qiyang Village Bank, the key is to create a series of loan pattern to meet the diverse financial needs in Qiyang County, By creating these loan pattern, it is possible for Qiyang village bank to provide a powerful support for local economic development and new rural construction.