Research On Agricultural Bank Of China Gansu Branch County Credit Business Development

As a basic economic unit, intra-county economies which benefits from a new round of preferential agricultural policies will get a larger space to expand. Agricultural Bank of China and intra-county economies are inextricably linked..With more than half of the institutions, personnel and assets of ABC, Intra-county economies is the foundation of the Agricultural Bank of dependence. At the same time, with the increasing of the credit market demand and the increasing of competitors from the counties, the Agricultural Bank’s traditional strengths have the risk to weaken. In the past few years, Agricultural Bank of China Gansu branch has made a few certain achievements, it always adheres to hold the responsibility to face to countryside, agriculture and farmers which we call "San nong Issues", to carry out the " blue ocean strategy" to serve the intra-county economies, through which Gansu branch played a pivotal role in the county credit area and cultivated a stable customer base. Therefore, how to promote county-region credit business effectively under the premise of risk-control is the most realistic subject of development for the branch.This paper takes the above as the main line. Firstly, the author explains "blue ocean strategy","information-asymmetry theory" of the Agricultural Bank of China Gansu branch, reviews the situation about the development of the county credit of the Gansu province. Secondly, the author elaborates the main points gradually based on resource endowment, economic development pattern, the development process and the development strategy. This paper also thinks that the intra-county economy form at present of Gansu province provides realistic basis for the credit business and had made a steady development. And then combined with the Agricultural Bank of Gansu county credit business’s development reality, this paper makes a objective analysis of the difficulties in the development of Information-Transfer, roducts and the efficiency of the process. Finally, aims at the problems, this paper shows several strategies about the product innovation, process innovation, risk management, and other aspects of reform for the branch to promote the credit business in the counties steadily.