The Research For "Supporting Farmers And Small-micro Enterprises" Credit Issue Of XP Country Bank

Country banks in China are new country financial institutions for the rural areas of financial reform in recent years.They develop the business of they own,at the same time, they assumed the local agriculture support small credit service responsibilities. XP Country bank as one of them, to optimize the location of the Country financial market and to solve the local small and micro enterprises financing problems have a duty. The "Supporting farmers and small-micro enterprises" is not only related to their own business performance and development, also affect the effectiveness of the reform of the local country finance, the local farmers and the healthy development of small and micro businesses have close contact. However, even XP country bank has some competitive advantage that other financial institutions can not own, but it also influenced by many factors. Facing the problems of how to take measures and implement the XP village bank, so as to adapt to the economic development and country capital demand changing, to ensure its sustainable development, and continued to provide strong financial support for Country areas, worthy of study.This article through an overview of XP Country Bank as a whole and its "Supporting farmers and small-micro enterprises" credit service, summarizes the problems of it, combined with field investigation, statistical analysis methods such as more deeply analyzes from two aspects of inside and outside factors.At the same time,drawing on the successful experience of similar financial institutions at home and abroad for reference, to obtain effective improvement strategy itself and external can provide protection measures,and helping XP Country Bank to solve the current predicament of "Supporting farmers and small-micro enterprises" credit service, to provide the reference for its science,rapid and sustainable development.In this article, according to the on-the-spot investigation the author in the target customer analysis, by listing and analyzing a large number of real cases in XP Country Bank developing process and when it carrying out the "Supportingfarmers and small-micro enterprises" credit service, summarizes some problems such as the potential credit risk into hidden dangers, type single credit service.Analyzing the phenomenon of "Zombified cooperatives of farmers”,facing the special competitors, for XP Country Bank "Supporting farmers and small-micro enterprises"credit services make up the strategic level proposed innovation ability, and strive to dig potential target customers.