Study On The Development Strategy Of The Agricultural Issue Of Grain Loan Business In Zichuan

Agriculture as the foundation of the industry in China, its relationship to the national economy and people’s livelihood and social stability of our country. Since the founding of the people of our country’s agriculture and rural infrastructure construction obtained the unprecedented development, people’s lives are improved greatly. But there are various problems in agricultural development. To to make up for market defect, the government will have to quit the means of macroeconomic regulation and control to a weak industry and the community support. So, the burden of supporting the "three rural" development falls on the shoulders of the policy bank, bear the burden of support agriculture type commercial Banks cannot perform.The agricultural development bank of China zibo city zichuan district branch, is the agricultural development bank of China branch in shandong province, is located in shandong province important petrochemical base in zibo ceramics, mainly is to run its special reserve loans. In this paper, from the direction of agricultural development bank loans of food for research the bank about the food of the development of loan business, and the paper studied the agricultural development bank as the object of case study. Food economy as the most important part of agricultural economy, to promote the whole agricultural economic development played a particularly important role, in this paper, the production of food in the agricultural development bank loan business as the main topic, analysis of the paper studied the bank loan business of grain at present some problems, and targeted puts forward the solutions to solve the problem. In this paper, the research can get development from the following several aspects:The content of the first chapter is the introduction, the article study the source and practical effect are described, combined with the present research situation at home and abroad, a comprehensive study. Further illustrated book of research methods, research contents and innovation points and difficulties of research problems.The second chapter explained the relevant theories of memory grain loan: first for the bank policy grain loan theory to explain the basis of the related concepts, including the bank policy loans grain loan features and the types of food loans; Further discusses the food loans on the role of the food including loans on the function of grain purchase and come to the influence of farmers’ income and to alleviate poverty.The third chapter is about the analysis of the current situation of the development of domestic and foreign food loans: first, discusses the current situation of the development of foreign food credit, including various countries on food credit policy and support the characteristics of the agricultural credit; And then describes the present situation about domestic grain of credit development in our country, including China’s grain credit policies as well as the concrete practice of the current food loans; On this basis, put forward the reference of chain credit experience at home and abroad, it is concluded that both at home and abroad about food credit practice experience and enlightenment.The fourth chapter is about the paper studied the bank loan business of grain development present situation of the specific analysis: in this chapter the paper studied the bank’s loan business of grain development basic situation, including the paper studied the historical development of the food the bank loan business, varieties of food basic business loans and grain loan business development experience; On this basis, this paper discusses the paper studied the bank loan business of grain for food to the important role of economic development, including guarantee adequate grain purchase funds, to maintain the stability of grain prices, ensure the grain purchasing and the standardization of the enterprise, improve the living standards of farmers, and promote the rapid development of the countryside, the agricultural economic structure transformation in terms of funding problems, speed up the construction of rural infrastructure; The construction of infrastructure; But the present paper studied the process of the development of the bank loan business grain still exist some problems: food prices is not stable, the production efficiency is not high, the farmers’ income is low; The contradiction between financial institutions, commercial operation and the economic environment is outstanding; Support for agriculture, rural areas and farmers less number of financial institutions, investment; Need more policy support. At the same time, the paper studied the bank’s loan business of grain in the actual operation, there are some problems in the internal formalities trival affected the supply of funds; Customer manager about food economy and capital operation situation is not very understanding; No added after professional knowledge and training.The fifth chapter is about the relevant Suggestions on the development of grain policy loans, from two angles is discussed about the policy Suggestions for the development of grain loan: strive for the national food credit policy support; Push the bank reform policy of grain loan business. About the paper studied the development of the bank loans of grain advice can be divided into three aspects: reduction part fees, reduce the burden of enterprises; Food processing to promote enterprise development; Promoting multi-sectoral cooperation, establish food credit financing platform.The sixth chapter is the conclusion, through the above discussion and analysis summarizes the full text.