The Research On The YZ Rural Commercial Bank Of Regional Credit Environment Optimization

Chinese since reform and opening in the last century, the country’s economic strength and rapid development of city construction, the continuous years of national GDP economic growth rate for the number two, creating the history of world economic miracle, the people’s Republic of China is the development of the Chinese nation, has been ranked the world nation before. At present, Chinese economy appeared to some developed countries, the historical problems gradually after years of rapid development, the party and the state in upholding the premise of taking economic construction as the center and the realization of peaceful development, and made great adjustment to the national economic development and structure, put forward the development of the national economy "new normal" development ideas,that will change the GDP Chinese pursuit of economic growth mode, economic growth combined with greater emphasis on quality and speed, pay more attention to environmental problems behind economic development, put forward the concept of "green GDP" development strategy. In the new era and new economic development background, the general goal of rural economic construction will also pursue national development strategy, in the process of developing a new socialist countryside in the pay more attention to the quality of the construction of rural economy, as the process of building a new socialist countryside provides an important role in the financial support of agricultural businesses in the positive development of its scale at the same time, how to put forward new ideas and methods for the construction of credit environment in rural areas, it will open up a new view of the development of new rural economy of our country.This paper takes YZ rural commercial bank "sunshine credit project" as an example,detailed introduces some measures and methods of YZ rural commercial bank "sunshine credit project" in the specific implementation, at the same time on the extract some for promotion and development experience in the construction of rural credit environment initiatives, to explore a suitable new Road credit environment construction in rural areas. The paper is divided into the following sections.The first part is introduction, discusses the research background, significance and the domesticand foreign research dynamic, a brief overview of the article structure and research ideas;The second chapter described the related concepts, the rural credit environment theory;In the third chapter, introduces the background information of YZ agricultural businesses and the credit environment, focuses on the performance and the reasons for the lack of the area of the credit environment, and bring some harm performance due to the lack of credit; the fourth chapter mainly discusses some concrete measures and methods for optimization design of YZ agricultural businesses in rural areas of the credit environment,Firstly introduces some concrete implementation background YZ agricultural businesses "sunshine credit" project, and then describes the implementation of the optimization of YZ commercial behavior credit environment policy, experience and lack of credit product innovation, mainly from farmers credit information collection mechanism as well as the standard, and the responsibility of the above measures formed;The main contents of the fifth chapter is the guarantee measures and Countermeasures of YZ agricultural businesses in rural areas of the credit environment, improve the rural area credit environment respectively from the legal construction, government credit construction, establish and perfect the mechanism of rural credit and rural credit supervision and moral culture development and other aspects of the exposition.