The Design And Implementation Of The Financing Plan For Small And Medium-sized Farmers In Cangnan County Agricultural Bank

Since the reformation and opening,China's economic is in highly development. However, the economic growth rate of China rural which owns the majority of the population of China grows much slower than the city, urban-rural income gap is widening. Rural financial development does not meet the needs of rural economic development is one of the reasons why rural economic is slower than urban economic. Since the rural financial market reform in1996, rural financial markets and gradually formed a state that policy banks, commercial banks and cooperative banks coexist. However, the rural financial system is still in financial repression which make it impossible to allocate rural funds i. As of2003, a new round of banking reform, rural financial sector reform advances, the bank share reform, the Agricultural Development Bank to expand their business was established in2006in rural finance "New Deal" to implement these changes in our country's rural financial system services,"Agriculture" ability can be improved.Cangnan Agricultural Bank as a sub-point of China Agricultural Bank is in the rapid development in recent years and has made outstanding contributions in the loan for the development of small and medium farmers. With the economic and social development, general borrowing has been difficult to adapt to market requirements, the financing model will always encounter some bottlenecks, hindering the development of small and medium farmers, to a certain extent, will hinder the process of the socialist market economy. The gradual introduction of advanced experience of foreign country, especially the financing of small and medium farmers cluster implementation of the program for the development of small and medium farmers opened up a new situation. As to actively encourage the development of small and medium farmers, particularly in the financing of such clusters in financing farmers Cangnan Agricultural Bank of China has given some reasonable design and put into implementation.This paper discusses the concept and characteristics of clusters of SMEs and SME financing SME financing options analysis and feasibility analysis. Loans for small farmers Cangnan status, household financial needs are analyzed, followed by the financing program for small farmers cluster design and implementation. Major amount of the financing package from the cluster, cluster client financing, clusters and cluster financing interest rate financing terms and repayment methods are described. Cluster of small and medium farmers Cangnan ABC implementation of protection from financing options to optimize business...