The Effect Analysis Of Rural Cooperative Bank's Credit For Assisting Agriculture In Less-Developed Regions

In the background of new rural construction, as a financial link ties of "agriculture, countryside and farmers", the rural cooperative banks play an irreplaceable role in promoting the increase in farmers' income, the local economic development and social stability. Rural cooperative Banks on the supporting policies to promote local economic development, accelerate the construction of the new socialist countryside, where, on the other hand, pace the rapid economic development and effectively promote rural cooperative banks themselves remain stable, healthy and rapid development.Review in recent years rural cooperative Banks, financial institutions, such as rural credit cooperatives of agricultural loans and the people's bank of "agriculture, countryside and farmers" supporting refinancing economic support effect, we must fully affirmation scores, objectively speaking, the rural financial institutions to support the implementation of the policy of loans for solving agriculture, rural economic development process of fund shortage problem played an important role, accelerate the agricultural structure adjustment and farmers the pace of poverty, promote the construction of a new countryside smoothly. But because China's regional natural resource endowment and the difference of economic and social development, the rural financial condition of the development level is also showing certain imbalance, rural cooperative Banks offer financial services and farmers' financial needs and contemporary rural economic rapid development and the new requirements of rural financial reform the contradiction between show. These problems have solve rapidly if not promptly, certainly will affect agriculture Ge Hang supporting function normal effective play, ultimately affect the rural cooperative Banks again, in rural financial position in consolidation.Sihong county rural cooperative banks development status is seen as its economy is relatively backward in jiangsu province of jiangsu province, so the epitome of the development of jiangsu province, this paper intends to use credit support rural cooperative Banks sihong county, described the relevant data of recent reform and development status, and its supporting effect are descriptive statistical analysis of credit and comparative analysis in its credit support and found the problem in the process of development, and to solve problems, countermeasures and Suggestions for further play village cooperative Banks as the main force of rural financial advantage, better perform its support local economic development function has important realistic and long-term significance.The study found that, as sihong county rural cooperative Banks lending policies implementation support expanding constantly, depth and breadth of local agricultural production level to be able to improve, rural residents living level has risen, agriculture infrastructure improvement, the popularization and application of agricultural sci-tech achievements has become increasingly popular, local agricultural industrial structure and the structure of agricultural production will be optimized; However, because farmers oneself and external environment reason, support in the implementation of the lending policies also exist such as the agricultural loans credit risk, the scope of agricultural credit support for economic development in relatively narrow, slightly after the subprime loans provide support management lag, financial institutions, etc. Strength single Therefore, the next step for the development of rural economy support local lending policies in the focal should increase agricultural production, improve people's lives, improve agricultural infrastructure, adjustment of agricultural structure on the basis of credit way and positive credit variety innovation, to better promote local rural economic development.