The Evaluation On The Business Environment Of The New Agriculture Loans In China Construction Bank

The issue of "agriculture, countryside, and peasants" has always been concerned by the state and society, in order to reduce the gap between the rich and the poor, building a harmonious society, the issue of "agriculture, countryside, and peasants" must be effectively solved. In order to speed up the development of countryside and agriculture, and improve the living standard of farmers, during the years, the state unveiled a number of supportive policies. As early as1982, the CPC formulated a file about the rural work called "the First File" to guide China’s countryside to carry out a series of reforms, all of these activities contribute a lot to the rural reform, and mobilize the broad masses of peasants, the liberation of the rural productive forces. However, with the rapid rise of the Chinese economy, rural development is relatively slow, especially since1997, farmers’income growth declined for four consecutive years, at the same time, farmers’income growth was less than4%for seven consecutive years, which was less than five of the incremental of income of urban residents. The majority of farmers got rid of the poverty, but went into a new impasse-"there is something to eat, but nothing to spend". People are rich enough to eat, but too poor to afford the medical treatment and education, it is urgent to solve this problem.Faced with the problems, the state continues to increase the support, in the human, financial and products supports, the financial resources is undoubtedly a prerequisite for development, however, according to the present situation, the financial support of rural development is not enough, it will undoubtedly become the block of the development in the rural areas. In order to solve the problem, the state continues to strengthen the role of policy-oriented financial institutions, promoting the Agricultural Development Bank of China and Rural Credit Cooperatives play a leading role in the solve of the "countryside, agriculture and peasants" issues. During the first twenty years, these financial institutions did do much to the issue of "countryside, agriculture and peasants". However, due to the development of the times, the rural industrial structure gradually changes, the lives of the farmers also changes a lot. New financial needs becomes more and more, but these financial institutions did not timely make appropriate changes, coupled with their own problems, the new demands can not be well meet, which gives no help to the solution of the problem.The theoretical significance of this paper is the innovation of the environmental evaluation In this paper, we created a specific risk factor analysis from the CCB traditional experience in environmental assessment, it will help to promote the commencement of the evaluation of the actual business environment. The practical significance of this paper is to meet the financial needs of rural development, which helps to promote rural economic development, the three rural problems.The first chapter "Introduction", introduces the research questions of this article, significance, research ideas and research innovation and weaknesses.Chapter Two "Literature Review", introduces the theoretical results of the agriculture loans, by reviewed the status of agriculture loans, we can recognize the necessity of the new agriculture loans. By the overview on agriculture lending environment on the development impact, we recognize the necessity for the CCB agriculture lending environmental assessment, by the overview on the environmental assessment methods, we get the technical support for this study.Chapter Three "the lending environment evaluation method and application" introduces five methods used in this article, respectively, PEST analysis, five forces model analysis, competitor analysis, SWOT analysis and the four-factor risk analysis method.Chapter Four "New agriculture loan business of the CCB", introduces new agriculture loan business, including the specific content of the business, the characteristics of demand and supply situation.Chapter Five "Environmental assessment on CCB new agriculture loan business" introduces the results of the appropriate environmental assessment method for evaluation of the situation of the business environment, a comprehensive analysis of the development of new business environment. Chapter Six "Suggestions for CCB new agriculture loan business", introduces the optimization recommendations on the assessment results.This innovation of the article reflects on the innovation of the research object and content, the study of agriculture lending is not the first try, but not many studies as the farmers to get rich for purpose and co-production with the enterprise. In order to meet the needs of the farmers, we particularly proposed the agro-business, and through the evaluation of the development environment, we come up with many innovative optimization measures.This article also exists a lot of lacks, in the evaluation of the business environment, we tend to use qualitative research method in stead of quantitative methods, which results in the lack of accuracy. In addition, in the analysis of competitors, many data are indirect, which results in the lack of accuracy, there are also some data lag, which may be some impact on the results of the analysis. Future research should pay attention to the combination of a variety of research methods, and strive to get the accuracy of the results.