Research Report On Farmer Loan Business Of A County Branch Within Agricultural Bank Of China

With the rapid development of China’s economy, the country’s increasing emphasis on development of agriculture, rural areas and farmers, rural economy in China has made great progress, the farmers’ living standards have improved significantly. Therefore, the state and society for the development of the rural financial environment put forward higher requirements. Rural economic development is inseparable from the financial support, as Agricultural Bank of China shoulders the responsibility of serving rural areas, ABC need the continuous development and innovation of agriculture loan business to meet the increasing needs of the rural areas.A county’s economic development in Liaoning province, leading county-level city, but also one of top 100 richest counties in China, which is rich in natural resources and human resources. The development level of A county branch of ABC is also in a dominant position in Liaoning province. In early 2014, ABC of Liaoning province decided to implement the “1818” development projects, A county branch was successfully nominated with excellent comprehensive business.Since A county branch launches loan business for agriculture, rural areas and farmers, it has effectively support the production of the local farmers economy. In order to support the local rural economy better, A county branch should be in accordance with the specific requirements of the superior branch, and increase investment on agriculture, rural areas and farmers loan business. This research report on farmer loan business focuses on the current situation of the development of A county branch, through a field survey of A county branch,to understand the specific situation of A county branch lending for agriculture, rural areas and farmers. At the same time questionnaires to the 300 local farmers with random way. The questionnaire includes basic information about farmers, loan demand characteristics and satisfaction with farmer loan business of A county branch. By combining the two parts of the survey, in depth to explore some problems that A County branch exists. Then by reading the relevant literature to learn innovative ideas and other advanced areas of development, to give some advises about solving the problems. Only in this way could improve farmer loan business in healthy and long-term development.This report is divided into five parts. The first part is the introduction, mainly introduces the research background, purpose and significance, research methods, innovation and deficiencies that may exist. The second part describes the financial situation of A county economic development, mainly analyzes A county economic characteristics, the development trend of the rural economy, rural financial supply and demand characteristics. The third part is the most important subject of this article, mainly analysis the status of agricultural-related loan business of A county branch and farmers’ satisfaction survey of agricultural-related loan business. The part of current situation focuses on product variety, the loan object, loan amount, loan term, loan purposes, the guarantee way, risk prevention and control, loan process, etc. The questionnaire part research the basic situation of farmers and whether their capital needs has been met. The forth part put forward about the problems existing in farmer loan business of A county branch through the survey of current situations. The fifth part comes up with some suggestions to improve farmer loan business of A county branch.