ABC Research Of Baoquanling Branch Of Farmer’s Small Management

Although China is famous for its high-producing agriculture, the slow development of agricultural economy puts China’s economic at an economic disadvantage. From the 1990 s, the operation of microcredit for agriculture, as a new product for serving rural economy, advances the process of industrial agriculture, promotes increase farmers’ income, upgrading Chinese agricultural industrial structure and making a contribution to new countryside construction. Microcredit for agriculture partly reliefs the problems of a lack of money on rural economical development, and eases help-the–poor pressure for government.From 2011, Agricultural Bank of China, Baoquanling Subbranch started the business of microcredit loan. According to a investigation, there are 90% people are farmers in Baoquanling Farmland. To help these people to engage in farming, microcredit helps farms a lot. It supports Baoquanling Farmland to develop economy, solving farmers’ problems of lacking of money, promoting the economic development in this area. In the long term, microcredit for farmers would be effective to help people in Baoquanling out of poverty. When offer loans, problems appear. Microcredit for farmers has its own characteristics, for example, long-term loan, uncertain intended use of the loan, inverted loan and base farmers’ loan upon their income. This kind of loan exists the normal risks and other ones. It’s necessary to analysis the risk and management process in this kind of loan, so that this loan can serve the farmers, rural areas and agriculture efficiently and constantly. With the method of collecting information, date contrast and on-the-pot investigation this paper analyzes Baoquanling farmland’s and Agricultural Bank of China, Baoquanling Subbranch’s actual circumstance, with the manners of literature research, comparative analysis and fieldwork. This thesis also discuss the problems and solvings of this kind of microcredit in Agricultural Bank of China, Baoquanl Subbranch, which bases on microcredit for farmers’ concept. These problems are as following:Unreasonable institutions, loose overhaul for the procedure of loans, unprofessional credit administrators, difficult to calling in loans, embezzling loans, the People’s Bank of China’s ineffective supervision, morbidity regulatory and legal system, natural calamities and market failure. These problems influence the healthy and rapid development of microloan for farmers in Baoquanling Subbranch. ABC Longzi Tibet Subbranch, Wuyuan Bank in Jiangxi province and Yilong Bank in Sichuan province provide precious experience. These banks solve the problems of establishing supervision system for microloan for farmers, improving the THREE CHECKS for microloan system, developing credit administrators‘ cultivation, building up internal incentive and restraint mechanism, improving the personal credit system, making microloan for farmers’ laws and regulations adapt to market and strengthening government’s supporting force..