Research On The Agriculture Lending Issue Of Shaanxi Province

Since the autumn of 2012, Shaanxi province has been a trival area in broadening loans to support agriculture of Peoples Bank Head Office. By the end of 2012, more than 90% of a dozen financial institutions that in and above the country level have been applicated and put in use, which meet the requirement of the scope of application of loans to support agriculture.Financial support of "agriculture, rural areas and farmers" is an important way to develop modern agriculture, agriculture further credits as the main content of agricultural loans, aims to play a role of financial support agriculture funds, solve the "SAN nong" in the development of the funding gap problem, through the expansion of rural financial institutions subject amount, support the broad masses of farmers, agricultural enterprises, agricultural organizations and other groups, support "three rural" development. Precision, meanwhile,poverty alleviation and tough as the party and the government's current priority, targeting the national general poor areas and the poor, rational utilization of support agriculture refinancing can promote the precision of the effective work of poverty alleviation. Strong capital support agriculture further credits for emerging agricultural industry. In terms of Yulin, in financial institutions under the credit support of family farm development is rapid, by the end of August 2014, to 26750 family farm development. So the Shaanxi agriculture refinancing problem is of great significance.Based on the agricultural credit subsidies theory, rural financial market theory,imperfect competition theory as the foundation, in Shaanxi province to become widen further credits the applicable scope of the pilot area for supporting agriculture, agriculture refinancing booster precision of poverty alleviation, agriculture further credits for emerging agricultural industry under the background of strong capital, analyzes the existing problems in the development of Shaanxi agriculture further credits, draw support agriculture in Shanxi Province further credits actually use range is too narrow; Loan terms are too short, and agricultural production cycle is not consistent; Support agriculture further credits supply and the agriculture, rural areas and farmers conclusion of loan demand is not harmonious, andfrom the system level, policy level, the supervision level of the financial institutions in the main body, the problems analyzed, concluded further credits system internal binding on the monetary policy effect is difficult to exert significant effect, the policy limit, the new and old disconnect, financial institutions exclude agriculture loan "a bivalent" refinancing rate is too high, lead to support agriculture branch at the grass-roots level to support agriculture further credits regulatory loophole, lead to actual loan is not clear wait for a reason.In Yunfu city of Guangdong province, Yunnan province state region, Bazhong city of Sichuan province and other regions to support further credits summarize advanced experience, put forward the distributed in Shaanxi province to improve and perfect the support agriculture further credits countermeasure and the suggestion of the business, such as the innovation way of guarantee, perfect the credit reporting system, reduce the risk of financial institutions; Increase support for refinancing volumes; Establish risk compensation fund, reduce refinancing risk for supporting agriculture, etc.