Based On The Perspective Of The County Of Hunan Agricultural Bank Credit Service System Optimization Research

At present, the rural economy as the rapid development of the golden state, however, of HuNan agricultural enterprise exists mostly self-capital is less, the efficiency is low, their own accumulation status of serious deficiency, resulting in widespread in the financing difficulties, agricultural enterprise credit funds has very strong to the needs and rely on, this led to the rural economy development process containing enormous financial growth potential and space. Agricultural bank of China, including many of the commercial Banks do agricultural credit business. However, cannot ignore, agricultural credit business risk and high management difficult characteristics is still outstanding. Agricultural bank of China as "the three rural service, business practices" of a large commercial bank, the new period further strengthening agriculture credit business service system study is very urgent.The author access to a great deal on a financial support of agriculture information, learn agricultural credit management related theory of knowledge, and carried out the investigation. Combining the practical work of himself, through the theory with practice research methods, the paper first credit business in HuNan agricultural supply and demand status analysis, this paper expounds the agricultural bank of China branches of HuNan agricultural credit business, the implementation of the summarized HuNan agriculture bank agricultural business advantage and deficiency, which mainly include agency and insufficient permissions Settings difficulties, risk control pressure, credit product structure optimization, talents absorption to be difficult, etc. Then, from agricultural credit service system framework (including the organizational structure design and authorization process design), agricultural credit product development, agricultural credit risk control mechanism of three aspects in HuNan agriculture bank agricultural credit service system, the optimization design, based on the HuNan agriculture branch of the credit business to develop practice and I work experience, put forward, HuNan agriculture bank agricultural credit business service optimization system of the implementation of the security measures:in the bank’s internal should improve employee quantity and quality, meet personnel requirements, perfect the incentive-restricted mechanism, optimize network service system; In the bank shall make good external credit environment, strengthen credit system construction, reduce its deposit reserve ratio, increasing business agriculture business financial allowance, moderate reduce agricultural business tax.Finally some research conclusion, and expounds the limitations of the study and research prospects in the next step.