The Study Of Agriculture-related Loans’ Sustainable Development Of Liuyang

Issues of agriculture, farmer and rural area has become an important part of the rural economic development, and rural financial development is an important component part of the three rural issues; Agriculture-related loans is an important part of rural finance, and it’s also the most important indicator to measure rural finance development. Agriculture-related loans play an irreplaceable role in promoting rural economic development, promoting industrial upgrading agriculture, increasing farmers’income and building new rural construction, it’s also a key element to implement the urban/rural development strategy, to develop modern agriculture. Therefore, it’s very necessary for banking institutions to explore how to promote agriculture-related loans development continued. This article based on the background of the existing agriculture-related loans, analyzed the purpose and meaning of existence agriculture-related loans, and summarized the related studies, which would conductive to establish agriculture-related loan mechanism. Explore the rationality of Liuyang agriculture-related loans’sustainable development by rural finance theory, agriculture financial supporting theory and the sustainable development theory. By introducing the status of Liuyang bank financial institutions and agriculture-related loans development, analyze existing problems of Liuyang agriculture-related loans. Using quantitative and qualitative indicator system to assess Liuyang seven banking institutions’ efficiency, the Agricultural Bank of China ranked the highest efficiency of agricultural-related loans. On the basis of confirming the principles and objectives of Liuyang’s agriculture-related loans sustainable development, to build mechanisms of Liuyang agricultural lending for sustainable development, including agriculture-related loans efficiency mechanisms, risk control mechanisms, classification management mechanisms, policies support mechanisms and financial ecological construction. The article concludes promote agriculture-related loans’development should start from next three aspects: promoting financial innovation, optimize agriculture-related loans conditions and financial guarantee mechanism.