Agricultural Bank Of Jilin Province Study On The Developing Mode Of Micro Credit In Rural Area

China maintained rapid economic growth since the reform and opening up30years, GNP climbed to the second place in the world in2010,and gained Remarkableeconomic achievements. However, with the rapid economic growth, China’surban-rural dual economic problems have become increasingly prominent. Thecurrent financial system is difficult to meet the financial needs of the individualfarmers, whether in the service mode or service content. Agricultural Bank inresponse to the call of national policy, to seize the opportunity to develop the ruralmicrofinance business, it is the best time.China’s banking sector is also facing unprecedented challenges, many domesticgrowing number of joint-stock banks, plus the influx of the foreign banks, to form agreat impact on the state-owned commercial banks, the bank has been very intensecompetition, the competition is getting intense from the deposit market to the loanmarket. In the rural market, rural credit union, postal savings bank, rural banks andemerging small loan companies are posing a great threat of Jilin Agricultural Bankrural microfinance business in the fierce competition,. How will Agricultural Bank ofJilin Province win from the competition, to reflect its core competitiveness? Thisarticle analysis Jilin Agricultural Bank’s existing rural microfinance business,summed up the main problem and proposed development proposals.This article is divided into four chapters, from the current development of microcredit business in rural area of Agricultural bank of Jilin province, using a variety ofanalytical methods, in-depth study on the development mode of micro credit in ruralarea of Jilin ABC, and Given reasonable proposals.In this paper, Chapter1introduces the topics of this paper the background andthe problems to be solved, on how to improve the microfinance business developmentstatus of the Agricultural Bank of Jilin Province with the upper hand in the fierce market competition, in order to contributed to the current economic conditions inrural areas while the main research method of this article is introduced.In the second chapter of this paper, the Agricultural Bank of Jilin province ruralmicro-finance business flow are studied, and then introduced the rural micro-creditbusiness development present situation, and points out that the problems of ruralmicro-finance business of Jilin ABC, finally SWOT analysis has made with themicrocredit business development.In the third chapter, this paper describes the development of microfinance inChina, as well as domestic and foreign commercial banks microcredit developmentmodel, most Jilin Agricultural Bank of China’s revelation that these success storiesreference.In the fourth chapter of this article, This paper makes the idea of innovation anddevelopment model of rural microfinance business that in Agricultural Bank of JilinProvince and Summed up the successful experience of these banks. Finally gives thecountermeasure and the suggestion of rural micro-credit to Agricultural Bank of JilinProvince.In short, in the rural-microcredit market with increasingly fierce competition, inorder to survive, the development of rural micro-credit business mode of AgriculturalBank of Jilin Province has to be reformed. According to the actual condition of thecountry of operation, enhance their core competitiveness, so that it will maintain ouredge in the competition, to achieve its objectives.