On The Problem Of Agricultural Loan In Hunan Province

In response to the financial crisis, the government often adjust monetary policy, economic development funds for agricultural supply and demand imbalance. In this context, because the weak nature of agriculture itself, financial institutions, lack of capital investment in agriculture loans, and take away from the rural areas through various channels, a lot of money, seriously hampered the development of agriculture. Meanwhile, financial institutions and agricultural loans for the management system is not perfect, the government regulatory mechanisms are inadequate for agricultural loans, agricultural loans for financial institutions with great risk and management. Constraining rural economic development, the primary problem is that neither farmers secured collateral loans, credit awareness, and no credit history and credit-related evaluation system for agricultural loans become a problem. To fundamentally solve the difficult problem of agricultural loans, the province needs to set monetary policy are:to adjust the state’s financial construction funds of the orientation and structure; improving the agricultural loan management system, operation mechanism and supervision mechanism, establish a healthy stand of agricultural loans to related laws and regulations, improve the security mechanisms, innovative security organization, to create rural personal credit evaluation system, the implementation of agricultural credit environment.