A Study On Credit Supporting Agriculture Of Rural Commercial Banks In Y County

The issue of "agriculture,countryside and farmers" has always been an important issue in the process of socialist construction,and the strengthening of financial support for "three rural" is conducive to the growth of rural economy in China.With the continuous construction of new rural construction,rural capital supply and demand structure changes,only to strengthen support for rural credit funds in order to better promote the development of rural economy.Rural commercial banks as the main force of China's rural financial system,its support for rural credit is mainly to support the form of agricultural loans reflected.On the basis of summing up and combing the domestic and foreign research results,the first two parts of the article construct the theoretical framework,explain the motivations of credit support agriculture,and provide the theory and feasibility of providing credit for agriculture in the rural areas.in accordance with.In the third part,according to the data of field investigation,this paper analyzes the situation of credit agriculture support of rural commercial banks in Y county from the micro perspective,and then uses descriptive statistical analysis based on customer feedback questionnaire,from the availability and convenience of loans,Demand satisfaction,interest burden of four aspects of customer feedback analysis.Combined with two levels of analysis,respectively,from the bank's micro perspective and the customer's point of view,summed up the Y County Rural Commercial Bank credit support agriculture situation.Finally,from the point of view of the small amount of credit support,the high cost and the high risk level,the author analyzes the causes of the results,and combines the actual economic development situation of Y County to increase the credit scale and reduce the credit cost,Control credit risk and improve customer satisfaction in four areas,to explore the level of credit support to improve the recommendations.