Gansu Construction Bank Small Farmers Loans Business Development

Gansu Construction Bank as part of a large state-owned commercial bank branches, in the past has been the focus of the business on the city in the country requires commercial banks to support three rural service policy context, to accelerate the development of farmer credit, can not only solve the rural financial markets urgentlyresolve the funding issue, Gansu rural financial markets, to enhance and improve the efficiency of rural finance, rational and effective mobilization and allocation of financial resources to promote rural economic development and rural financial coordination, boost three rural service can also broaden the areas of business developmentpromote their own development, the formation of diversified business structure, and adjust the credit structure is irrational, and agriculture-related lending has gradually become a commercial bank is a more stable profit growth point.From the rural development of the current situation of the rural financial markets are basically at the undeveloped state, the future development of space and money scene "great city business is becoming increasingly saturated state, who occupied the rural market, who will in the future competition to seize the initiative.In recent years, commercial banks significantly speed up the progress of the expansion of the county market, farmers loan business increasingly competitive, the potential risks of non-performing loans, false loan also began to appear, laid for the development of the potential risks, so microfinance loan business, risk prevention, Gansu Construction Bank to adjust the credit structure, and promote the sound development of great significance.In this paper, combined with the author many years of experience in the work of the Construction Bank, CCB Small farmers in Gansu loans business development status of investigation and study and learn from the advanced experience of the development of loans to farmers at home and abroad, according to China’s support of three rural policy arrangements, analysis of Gansu CCB the development of the difficulties faced by the agriculture-related loans, risk, summary of the mature experience, the next stage of development strategies.This study, I hope to improve Gansu Construction Bank to the development of small farmers loans at the same time learn from experience, but also for the province of other financial services to three rural work.