Research On Problems And Countermeasures In The Process Of "Three Rural" Service From Agricultural Bank Of China L Branch

The three rural policy will be better and the overall situation is positive. It is significant for managing state affairs to deal well with the "three rural" problem. As a large state-owned commercial bank, Agricultural Bank of China has been deserveing the "farming" surname and committes to provide financial services for the rural development. In recent years, the rural economy in L Province whose service work is representative and research significance develops rapidly, which is closely related to the Agricultural Bank of China that promotes the service of "three rural".Taking the scientific method of data and empirical analysis,based on market failure theory, institutional change theory, transaction cost theory and information asymmetry theory, through the research of the status of the work about "three rural" service of Agricultural Bank in L Province,this paper finds out the existing problems about the work of the "three rural" and analyze their reasons to provide references and suggestions for the improvement of L Province agricultural service about "agriculture, countryside and farmers".The article first briefly describes the status and achievements of the service about "three rural" of Agricultural Bank in L province. At present, the atmosphere of the service about "three rural" of Agricultural Bank in L province has been formed, the assets of agriculture has been increased, the credit line of supporting for agriculture has been clarified, the ability of the basic financial services in rural areas has been strengthened. The amount of agriculture loans of Agricultural Bank has been increasing year by year, which has a positive effect on the increase of the total value of agricultural production and the improvement of farmers’per capita net income.Then this paper finds out the existent problems through analysising the current stages. They mainly include the following six aspects:weak customers foundation in counties, unclarity of market positioning; insufficience of innovation in financial services, deficiency of market competitiveness;shorcomings of credit of supporting for agriculture; high pressure of risk prevention, improvement of credit process; low effectiveness of benefit farmers; low quality of the staff, improvement of business ability.Next this paper analyzes the origin of this problem specifically, according to the analysis between agriculture business objectives and adaptability of agricultural production, the contradiction analysis between commercial management of Agriculture Bank and rural credit environment and the docking analysis of bank "s credit system, financial products, employment and rural financial market demand.Finally this paper gives suggestions of service level and ability about improving "three rural", including:strengthening the market positioning of "three agriculture" service, clarifyin target groups of expanding County households; improving "three rural" production innovation of the Agricultural Bank of China,docking the rural financial market demand, improving market competitiveness, making a new standard of agriculture "customer access, implementeing differentiated credit delegation; improving the county branch of risk management organization system, strengthening the basic management of County branch and its following institutions, adhering to the" risk line rural business, safeguarding economic and social benefits of the Bank; optimizing the credit support service, promoting the transformation of farmers’loans, refining and strengthening the county Small and micro businesses credit, deepening agricultural industry chain services, and solving the financing problems in the rural areas effectively; improving the quality of benefit farmers program, enhancing the service efficiency and Huinong card comprehensive income level,increasing the visibility and benefit; deepening the "three rural" finance division reform, increasing the "three rural" human allocation of resources and efforts, improving the "three rural" performance evaluation mechanism, strengthening the construction of county staff troop,which is to provide better, more suitable financial services for farmers.