The Research Report On Agriculture-related Loads Of Chengdu Rural Commercial Bank,Qionglai Branch

After more than a decade of reform, the domestic rural finance has obtained certain result, preliminary solving the basic rural financial services, having built a multi-level,broad cover and sustainable rural financial system, which consisted of large commercial banks, policy lender banks, joint-stock banks, rural commercial banks, rural credit cooperatives, village banks, small-credit companies and other financial institutions. The diversity of rural financial services has promoted the fast growth of agriculture-related loans. In recent year, the balance of agriculture-related loans has increased steadily and its growth rate is higher than that of all other loans. In addition the proportion of agriculture-related loans in the financial market is rising steadily. The new small commercial Banks in the process of the reform of rural credit cooperatives, which mainly serve agriculture, rural areas and farmers have become important service providers in the rural financial market in recent years. Under the condition of the rapid development of agricultural credit market, the number of rural commercial banks, assets of rural commercial banks and the profits of rural commercial banks have get a rapid development. Considering the characteristics of the rural finance itself, agricultural credit risk is higher than other loans. Especially in 2014, the economy of our country grows into the new normal mode of high-speed development, the slowdown of the economy has brought heavy pressure to all aspects of society, the rate of the non-performing loans of commercial banks has also increased gradually, which has been as high as 2.48% at the end of 2015. Under the new condition, whether to continue rapid growth and how the agricultural credit quality is, have been a topic that worth studying. This article attempts to analyze systematically from two aspects, namely the scale and the quality of agricultural and explore its existing problems, then combine with actual situation to analyze the causes of the problem, and puts forward corresponding suggestions for improvement.In the first part of this research, we have introduced and interpreted the research background, research purpose, research significance and the time, place, object, means of the research. First of all, we lead to the background of the research from the slowdown of China's economy and the increase of the non-performing loans. Then we interpret the purpose of the research through describing the present situation and existing problems of rural commercial bank development, and explain the meaning of the research theoretically and practically. Finally, we introduce the time, place, object and method of the research.The second part is to introduce the bank of Chengdu Rural Commercial Bank and its agricultural credit. We describe the process of its development and its agricultural characteristics, make instruction of agricultural credit systematically and show its level of agricultural loans through making a contrast to the current situation of the domestic rural commercial bank and Chongqing rural commercial bank.The third part is the core of the article, which shows the results of this research systematically. It introduces the overall scale and the quality of credit business about QiongLai branch of Chengdu Rural Commercial Bank, and then focus on agricultural credit from the viewpoints of both scale and quality, finally it has carried on the detailed analysis in accordance with the agriculture-related loans, loans to rural and agricultural loan, finding that the size of its agricultural credit reduced, balance of non-performing loans increased, and the problems of non-performing loans increased quickly.The fourth part analyzes the reasons of the problems which are mentioned above the article. Through analyzing the causes of problems and connecting with the actual situation, we gives suggestions on the improvement measures in the fifth part.This paper finds the existing problems and puts forward pertinent suggestions closely around agricultural credit of QiongLai branch of Chengdu Rural Commercial Bank to improve its agriculture-related loans, which has reference value for other similar industry branch.