The Development Of Credit Business In The Service For "Three Rural Issues" In CCB Heilongjiang Province

With the constant deepening of the economic transformation in our country,the role of agriculture in the protection of the people’s livelihood is constantly outstanding.The "three rural issues" are upgraded to a national strategic level,by a series of "agriculture,rural areas and farmers" supporting policies which have laid a solid foundation in improving the level of agriculture and safeguarding farmers’ quality of life,so the "three rural issues" have gradually become the focus of people.Our country’s supporting policies in the field of "three rural issues " date back to the 80 s when the “central number one file” put forward the developing direction for our country’s rural reform and effectively aroused the enthusiasm of farmers,safeguarded the interests of farmers,which had solved the problem of the rural labor force for a long time.In the 90 s,along with the deepening of reform and opening up,our country’s economy obtained a fast development,but the development of agriculture and farmers’ income has not kept up with the pace.The late 90 s witnessed a continuous drop of farmers’ income and a greater income gap with urban residents.Farmers can meet the need for food and clothing,but they lack the consumption ability and are unable to pay for health care and education.In view of the status quo,the reform of the "agriculture,rural areas and farmers" problem is extremely urgent.In our country,rural population proportion and agricultural proportion is very high,so the problem of "agriculture,rural areas and farmers" is the top priority in China’s economic development,which needs to state a series of policies to support.Comprehensively analyzing,financial support should be ranked first in terms of policy support in human,financial and material resources;but the actual investment is not enough,and it has become the main factor which restricts the development of the “agriculture,rural areas and farmers ".In order to solve the problem of money,the government continues to publish relevant policies to encourage financial institutions to increase their support for "agriculture,rural areas and farmers",for example: directional drop,to link the deposit reserve ratio up with the support of “agriculture,rural areas and farmers ",etc.Driven by these policies,China Commercial Banks and Rural Credit Cooperatives and other financial institutions have optimized the original configuration of credit assets,launched a series of loans varieties in view of the " agriculture,rural areas and farmers " provides a help to solve the problem of money short board.But with the deepening reform of “three rural issues ",the core elements such as the agricultural industry organizations,farmers,mode of operation are also in constant change.The supporting direction of the original financial institutions cannot satisfy the new demand,and financial institutions can not timely launch new varieties of loan and credit mode because of its risk control and other issues.Therefore,the supply cannot meet the demand.So to support the "agriculture,rural areas and farmers",we have to continuously optimize the credit model,meet the growing new demand due to the reform of “agriculture,rural areas and farmers”In the analysis of "agriculture,rural areas and farmers",the former literature and related scholars are accustomed to using the quantitative analysis method,this method is relatively complex and difficult to understand,and the "three rural issues” are in the development and optimization,so the quantitative analysis of deviation is prone to cause an effect to put forward the way to solve the problem.This paper takes China Construction Bank as the analysis object,analyzing the business environment of CCB,based on development in the field of "agriculture,rural areas and farmers",we put forward solutions to "three rural issues" from financial institutions to meet the demand of farmers in the development,provide security for farmers to get rich,and promote the rural economic development,solve the problem of lack of demand and supply on the financing side of "agriculture,rural areas and farmers".This article first defines the concept of "agriculture,farmers and rural areas",and summarizes the domestic and foreign financial institutions to support agricultural development experience for reference;On this basis,according to the present situation of credit business development of Heilongjiang province Construction Bank service to "three rural issues",it has carried on the development of environmental analysis and evaluation;Accordingly it put forward countermeasures and suggestions for the development of credit business in the service for "three rural issues" in CCB Heilongjiangprovince.There is no denying that there are some shortcomings in this paper In the process of research and analysis,such as: the method of qualitative analysis to study business environment pays more attention to the direction of research,but lack of accuracy;in the Data used in this article,the construction bank data is relatively accurate,but other potential competitors operating data are through other channels,and lack of a certain accuracy,etc.