Study On The Problems And Countermeasures Of Farmers' Small - Scale Loan Business In Xibian Branch Of Agricultural Bank

How to solve the farmer’s loan difficult and increase income is the core of the "three Agriculture" problem, which consists of "farmer", "agriculture" and "rural", and this matter has become the hot topic between government and all sectors of society. In recent years, every year the government will publish "the central number one file" to launch a series of important measures for agriculture, rural areas and farmer problem. File points out that the large commercial Banks should promote the reform of rural financial systems and continue to deepen reform of rural financial innovation and encourage all kinds of finance service sector pilot reform to cover all country branch. Banks should insists the "Three Agriculture" policy and innovate financial service. All of this mark that as a large state holding commercial banks, for Agriculture Bank of China, facing the issue of "Three Agriculture" is its market position and historical mission given by the central governmnet.Although as the outcome of the age of socialism in our country, farmer’s small quantum load has a vital significance, such as it will alleviate the poverty of farmers and improve farmers’welfare level. It also do good help to promote social harmony. There is no denying the fact that farmer’s small quantum load has several defects in our research, such as information asymmetry will exist in financial market and farmers cannot mortgage land to get bank loans, it is difficult for farmers to get loans they need.Some financial institutions are even unwilling to engage on the issue.. All these factors will restrict the implementation of important policies in China.In present, our country’s border areas have a lot of problem with farmer’s small quantum load. But it is fortunately that China is in the stage of reform and transition with GDP growth rate remained at about 7%, so farmer’s small quantum load have a huge development space. At first, this paper introduce some related concept of farmer’s small quantum load, then apply a lot of survey data about DW agricultural bank to carry on comprehensive analysis. This paper take the micro and macro point of view as a base to find out the problems. The causes and solutions of farmer’s small quantum load. Through this study, my scheme will provide systematically and universal plan for the management of micro credit risk and promote the health sustainable development of financial market.Ⅰ believe that this article will strenghten the function of agricultural bank, which has become the main force on supporting and benefiting farmers.