A Study On The Credit Business Development Of Zingzhong County Branch Of Agricultural Development Bank

The Agricultural Development Bank of China was funded in April 19,1994, with the authorization of the state council of China, which’s service network has already spread all over of mainland China. In 2014, The Agricultural Development Bank of China entered an important opportunity scheduled time when its overall scheme of the reform reviewed by the 63th executive meeting of the state council. Under the building of a new socialist countryside, the functions and power references of The Agricultural Development Bank of China has been broadened greatly, as well as the management philosophy of the bank has been beginning to change. Nowadays, how to do operate an agricultural policy bank well, perform the real functions of it, and realize the credit business’effective, sustainable and healthy development of the agricultural development bank has become a new historical mission. The main purpose of this paper is making some suggestions about credit business’development for the grassroots bank of The Agricultural Development Bank of China.In the first part of this article, we will introduce the dual-goals, function orientations, business scope and current situation of the development of credit business situation. After that, this paper will take Zizhong county branch as an example. Introduce the development situation of credit business at the grass-roots level, and analyze the strengths, weaknesses, opportunities and challenges, as well as the existing problems, reasons in the development of credit business. The conclusion is that the ADBC can realize the dual goal of credit business, the grass-roots bank should be based on the actual development of credit business, increase the financial support of the county economy. Finally throw out some suggestions to solve the problems existing in the proposal, to increase the competitiveness of credit business of grass-roots bank, guard risks and mistakes in the business, realize the bank’s sustainable development and pillar role better in supporting local "Agriculture, Rural areas and Peasantry" economic construction and fulfill the mission of "new rural construction bank" well.