The Research On Supporting Agricultural Construction By Zhoushan Rural Credit Cooperatives

Rural credit cooperatives play a great role in promoting the building of a new socialist countryside, they are conducive to promote the development of township enterprise, improve the income level of farmers' groups, and maintain social stability. Rural credit cooperatives and rural development is inextricably linked. Rural credit cooperatives can offer adequate fund, enhance the level of economic, on the other hand, the rural economic development can also advance Rural credit cooperatives. Judging from the recent years, the agriculture-related financial institutions has played an irreplaceable role in solving problems that exist in Three Rural Issues, and made outstanding contribution to promote agricultural structure adjustment and optimization, increase peasants' income,and consolidate the material foundation for new rural construction.Meanwhile, because of the diversification of financial development,Rural credit cooperatives met more and more bottleneck,leading to the contradiction between the rural financial market supply and demand is increasingly intensified. How to take effective measures to curb the above problem, vigorously develop agriculture-related loans has become an issue deserved to study.This article firstly elaborated the research background and meaning of this topic, summarize the research literature on rural credit support agriculture at home and abroad, analyzes the objective factors of influencing and restricting the rural financial reform. Then take Zhoushan as research object for empirical analysis, with the method combining qualitative analysis and quantitative research, to analyze the situation of supporting and enriching farmers by Zhoushan Rural credit cooperatives.and the supply and demand condition of credit finance.After that points out that the main problem:the credit money supply and demand is not commensurate;the rural capital is outflow and the vigor of supporting agriculture is not enough;the variety of credit services is single and the credit services lack of flexibility;the formal financial institutions are less and the credit coverage is small,the loan of farmers is difficult, the small farmers more difficult.The following Suggestions are put forward according to the above problems:improve the financial system, expand the coverage of credit; increase the supply of credit and improve credit structure; expand credit service and simplify credit procedures; develop the varieties of credit services to meet the needs of different levels;establish rural credit guarantee mechanism.This paper has some practical guiding significance on how to vigorously develop agriculture-related loans in order to play its role effectively in the new situation,and I hope this article provide the theoretical value and practical significance for all modern banking financial institutions to increase financial support for agriculture, rural areas, and farmers.