The Research On The Development Of Public Credit Business Under The J City Directly Branch Of The Agrlcultural Bank

With the slow recovery of world economy, China’s overall economic development situation is stable. However domestic reform of a series of economic policies in the new century, the stable domestic economic development at the same time, to a certain degree of layer also prompted the vigorous development of private capital. Former state-owned commercial Banks as the traditional commercial Banks, in the face of fierce market competition between same account has the advantage of talents and resources, but due to the relevant national policy factors of some industry credit have certain limitations, coupled with the Banks themselves relatively rigid management mode, hindered the change after the stock internationalization and marketization of state-owned commercial Banks. Performs as the main business of commercial Banks credit business, has a major position in the competition for market share. In the current interest rate marketization, financial disintermediation and the government is encouraging private capital to enter the capital market and a series of policy toward China’s commercial Banks are discussed under the background of the credit business development present situation, existing problems and the countermeasures and Suggestions to solve the problem and has the important practical significance.This article through the description of the selected topic background and significance, determines the thesis research, and according to the thesis research ideas and methods of sorting out the paper frame structure, the article arguments specific to the agricultural bank of J city directly under the branch, and then according to the sample toward bank credit business development present situation and its market environment, and found that the agricultural bank of J city directly under the branch probability of the existence of credit business development environment is superior, corporate credit business development is not enough, let public credit lack of product innovation and practical application is not strong, lack of professional talents and the backward management system and brought to the credit business personnel backward marketing consciousness and marketing system, the problem of the missing aiming at these problems puts forward the development and optimization of branch directly under performs several countermeasures and Suggestions on the credit business development, such as the establishment and development environment that meet the needs of the efforts in comprehensive marketing strategy, innovation, strengthen the marketing personnel training and so on.