Research On The "Sunshine Credit" Mode In Rural Financial Institutions

The main problem what puzzles the "three agriculture" problems of China’s rural is the lack of money. The lack of money has become the most important obstacle in the development of rural society. The focus of the reform of rural financial system is that how to promote the innovation of rural financial service powerfully and orderly, and that help to promote the development of "three agriculture". This paper takes the "sunshine credit" mode of Rural Commercial Bank Of Huanghai as an example, research the operation mode of the "sunshine credit" in depth, analysis the present situation, existed problems and causes of the "sunshine credit" system. Combined with the successful experience of foreign rural loan’s development, it puts forward some scientific suggestions for the further development of the "sunshine credit" system, it has the important practical significance for improving the quality of rural financial service environment、transforming of the mode of the credit service、improving the efficiency of credit support for agriculture、cultivating honest credit environment and improving the development of the financial system of rural credit cooperatives.This article takes Rural Commercial Bank Of Huanghai as an example, uses Western economics, new system economics, statistics, econometrics and The relevant theories and analysis methods, researches on the innovation mode of Rural Commercial Bank Of Huanghai loans supporting for agriculture-- "sunshine credit", puts in the understanding foundation status of rural financial institutions on loan for agriculture, analyzes the sunshine credit operation mode of rural financial institutions, discovers the contradictions and problems in the existence and movement of sunshine credit mode, reaches out The corresponding countermeasures.The main research results are as follows:1、Use statistical methods to analyze several factors of implementation methods of Rural Commercial Bank Of Huanghai’s sunshine credit mode.These factors are:(1)survey transparently, review in multi-way; (2) pricing transparently, support the different ones; (3) loan transparently, finish in the limited time; (4) supervise transparently, show to the public; (5) award the credibility and provide the guarantee.2、Identify the problems in the "sunshine credit" mode by analyzing the implementation elements of rural financial institutions.These problems are:(1) To deal with the loan anytime if the loan demands is in the line of credit, it may result in risks. On the one hand, the loan officers do not want to lose power to issue the loans; on the other hand, they are afraid of responsibility; this awareness slows down the promoting of the "sunshine credit".(2)In the "sunshine credit" system, the program of performing the rating and credit is not strict and casual.(3)It is difficult to obtain farmers’basic information and determine the credit line scientifically. (4) The external quality assessment is not deterministic, it affects the scientific nature and rationality directly and leads to the irrationality of the credit line. (5) The follow-up management has problems.3、For the problems which is analyzed by the statistical methods in the process of the implementation of the "sunshine credit", summarize the characteristics of the "sunshine credit" which is to solve the difficulty of loan for the "three agriculture", and put forward feasible suggestions actually.The innovation of this paper lies in:(1)According to the research of the present situation of that how rural financial institutions support the agriculture、the advantages and disadvantages of the "sunshine credit" mode and the application prospect of the "sunshine credit" mode,This paper proposes the thought of perfecting and promoting the "sunshine credit" mode. (2) In the research of application status of the "sunshine credit" mode, taking Rural Commercial Bank Of Huanghai as an example, pay more attention to practical demonstration, focuses on the problems encountered in the practical application, and put forward some methods and measures for improvement. (3)In the follow-up management of the "sunshine credit", put forward the concept of "executive responsibility".