The Study On The Developmental Strategy Of Farmers’ Small Loans In Xinzheng Rural Commercial Bank

For a long time, the issue of agriculture, rural areas and farmers has always been the most important policy of the country, and the peasant problem is the core of the problem. However, due to the impact of long-term dual economic system, coupled with the weak nature of agricultural production, resulting in the central and government attention, policy implementation, capital investment is still unable to solve the credit needs of farmers, farmers financing difficult The problem is still difficult to solve. xinzheng Agricultural Bank of China as a farmer’s microfinance business occupies a large proportion of rural financial institutions, in the context of the national three agricultural policy, how to further develop the rural micro-credit to further increase the supply of financial resources to rural areas to meet the farmers’ Needs, to solve the financing difficulties of farmers and other issues, placed in front of Xinzheng Rural Commercial Bank.Based on the analysis of internal environment and macro environment of Xinzheng Rural Commercial Bank, this paper analyzes the situation of Xinzheng Rural Commercial Bank’s development of microfinance industry competitors, and points out that the microfinance loans in the process of development are facing economic downward pressure, the interbank financial institutions Competition and the threat of Internet financial shocks. Then, starting from the development planning and development status of Xinzheng Rural Commercial Bank’s microfinance loans, this paper analyzes the present situation of the micro-credit development of rural households in Xinzheng Rural Commercial Banks. Combining Xinzheng Rural Commercial Bank and micro- The loan service is not accurate enough, the interest rate is high, the term of the farmer’s loan is short, the development of micro-credit is slow, the credit consciousness of the farmer is low, the credit of the farmer is low, the credit of the farmer is low, Not strong and other problems, and analysis of the causes of the problem: management system and business development does not match, product and service technology and business development does not match the loan interest rate period and farmers do not match production and management.At last, the author puts forward the development strategy of Xinzheng Rural Commercial Bank microfinance loans: the fine management strategy, the diversified service strategy, the innovation development strategy and the precise development strategy, combining with the problems and reasons of the Xinzheng Agricultural Bank of China to develop microfinance.The results of this paper provide a good reference for the further development of xinzheng Rural Commercial Bank microfinance.