Research On The Development Strategy Of Small Loan Business Of J Agricultural Bank

Various kinds of rural cooperative institutions are the main force of rural finance and they have undertaken the financial service for peasant, agriculture and village for a long time. Be restricted to the capital scale, market location, customer groups, rural cooperative is majored in small loan business. Practice has shown that those financial institutions which run a good small load business have better indexes of capital quality, profitability and market share.In recent years, with the further reform of interest rate liberalization, other nationalized banks, shareholding banks are marching into the rural and macro markets,which lead to the constantly declining of small loan interest and climbing of deposit interest expense. Restricted to the local economy, staff aging, short of innovation ability and weak management level, rural credit cooperative has smaller profit margin.It has affected the long-term steady development of rural cooperative institutions in our country. Thus, it's necessary to analyze it theoretically and explore the possible measure to solve it.This thesis takes J Rural Commercial Bank as an example which is featured by good small loan management among rural credit cooperative institutions in Henan province. This thesis proceeds with its small loan development as well as its problems.By analyzing its problems, such as hard loan delivery, high cost, lack of subjective initiative of customer managers, lack of innovation, cross-region supervision requirement, Henan Rural Credit Union management system, inner management defects, this thesis explored the reasons. Then, the author picked and analyzed several samples which developed well at small loans, such as commercial banks home and abroad, online finance and other rural cooperatives. By contrast, the author extracted some measures and ideas in the aspect of small loans for J Rural Commercial Bank.Finally, this thesis made possible suggestions for J Rural Commercial Bank in theaspects of broadening market, promoting management level, improving credit environment and innovating loan service.J Rural Commercial Bank is a typical case among Henan rural cooperative institution. Its problems are universal among Henan as well as nationwide rural cooperative institution. With the rapid development of rural cooperative institutions in the whole province as well as nationwide, more or less, their small loans will encounter predicament as J Rural Commercial Bank. This research attempted to provide some advice for the problem solving of small loans business development for rural cooperative institutions.