TAgriculturak Bank Of China (Anhui Branch) Conducting A Countermeasure Study Of Micro Agricultural Loans

China is a big agricultural country, agriculture is the basic industry of national economy. Agricultural population of the overwhelming majority of china’s population. so the stability and development in rural areas, related to the overall economic and social development.and aolso related to China’s long-term stability. In 2010. the central file NO.1 brought out a series of new policy of benefiting the agriculture.It is the seventh consecutive central file NO.1 under the guidelines of " problems facing agriculture, rural areas and farmers "since 2004. " Problems facing agriculture, rural areas and farmers "is closely related to financial services in rural areas, The key of" problems facing agriculture, rural areas and farmers " is farmers, the key of farmers is the problem of increasing farmers’ incomes and improve their standard of living.The gap of per capita income between farmers and urban residents is expanding. How to effectively solve the increasing income of farmers?All along. the whole world is constantly looking for ways to solve the problem.The micro-credit for farmers as a new innovative financial approach, becomes effective measure.which alleviate poverty and improve farmers income, to be introduced into our country by providing financial services to poor farmers.The measure which is developing rapidly. has made remarkable achievements for sovling " problems facing agriculture, rural areas and farmers "Since 2007. Agriculture Bank of China has done a lot of effective work on rural financial service system.He groped the new path of service for " problems facing agriculture, rural areas and farmers ",which take the farmers as the focus.the Huinong cards as the carrier, the county division as guarantee,and small loans to farmers as the key. Meanwhile, the business of farmer micro-credit made great advances in Anhui Agricultural Bank. It play a greater support part in the local rural economy. But we also aware acutely that there are many problems in the business promotion of commercial banks on farmer micro-credit.such as, less organization of town and difficult to cantact with the borrower of farmer micro-credit result in information asymmetry、long time for examining and approving loans、difficult to manage after loan、high charges:propagandize inadequate for farmer micro-credit:basic management work need to be strengthened:shortage of serviceability:risks come out gradually. The thesis amplify based on it and seek the strategy for the further development of the business of farmer micro-credit in Anhui Agricultural Bank. It has important actual significance for further promoting farmer micro-credit and develope the agriculturl economy in Anhui province. On the strategy research, the author evade the theoretical research which studied by privious pursuer on the reform of the financial system、policy supportment and adjustment of interest rate. He focus on its own study,find the shortage from itself and propose to strengthen understanding, implement the target responsibility, strengthen propaganda for farmer micro-credit, strengthen service channels’ construction and improve the environment of card, construct farmers information management system, establish farmers credit product system centering Hui-nong card, strengthen the risks manegement for farmer micro-credit, innovate the collaborative model between bank and enterprise, implement incentive and restraint mechanism,broaden theteam of client manager, enhance the business training and so on. On one hand, they define the directions to further to carry out the business of farmer micro-credit for agricultural bank. On the other hand, they have practical significances for the all kinds of financial institutions relate to agriculture,which undertake the farmer micro-credit.There are six chapters in this thesis. Based on the micro-credit theory,the author compare the development mode of micro-credit between GB and BRI and analyse their revelation on the micro-credit in our country. On the basis, the author take the case of agriculture bank, anhui branch to introduce the status, development patterns and problems of micro-credit in 2009. In the end,the author put forward some practical and significant suggestions contraposing the existing deficiency in the service of micro-credit for " problems facing agriculture, rural areas and farmers ".Wish to provide some practical advice for sustainable and healthy development of micro-credit in our rural and contribute own poor power for China’s "new countryside" construction.