The Research On Sustainable Development Of Agriculture-related Loans For Postal Saving Bank H Branch

Financial support to solve the problem of "agriculture,rural areas and farmers" plays a vital role.The CPC and the State Council has been clear about the deepening the reform of rural financial institutions and mechanisms,vigorously develop rural financial policy guidance,and by the people's bank made specific policies,the China banking regulatory commission,China's rural financial obtained rapid development in recent years.But because our country rural financial concept consciousness is not strong,the rural financial infrastructure is very weak,the financial institutions in rural financial service experience is not subjective and objective reasons,such as agricultural financial business development is still faced with many difficulties.In this article,through exploring the post office present situation and the way of sustainable development,agricultural bank loans for the reform of the agricultural credit management mechanism.Study the sustainable development of agricultural loans,for the rural social and economic development,promote the quality of life of farmers and rural financial institutions related to the survival and development of all has the vital significance.This thesis in order to post office bank H branch as an example,the system of rural financial institutions to study the sustainability of agriculture loan business,in the post office bank agricultural loan status quo on the basis of understanding of sustainable development,by discussing the influence factors of affect the sustainable development of agricultural loans,determines the index system for the sustainable development of agricultural loans,the weight of each index are determined by using analytic hierarchy process(ahp),through the investigation,system to collect the relevant data of H branch,the data from 2011 to 2015,the index system,after standardized treatment,using the weight of each index,in 2011,as a base,to calculate the sustainable development index from 2011 to 2015.This thesis also studies to the sustainable development of agriculture loan problems,and put forward the corresponding countermeasures.Studies have shown that post office H branch of agricultural bank loans from 1 in 2011 in the total sustainable development index gradually reduced to 0.73 in 2015,the sustainable development level of a significant decline year by year.From the point of view of the concrete,the cost of credit,bank,the bank of non-performing loans is affect the post office,H is the most important factors for the sustainable development of agricultural loans;Sustainability of the financial and operating,the quality of people,and the efficiency of agricultural production,it is affect the sustainable development of the post office H branch of agricultural bank loans more important factors.The study found that H branch is a single product,limited sources of funds;Too much administrative interference,poor autonomy;Lack of market competitiveness and marketing lag behind,The management system of uncoordinated,poor management mechanism;Poor credit personnel quality is not high,the risk awareness of a series of problems.This thesis respectively from the innovative business model,enhance product adaptability,improve the level of risk management,reduce the cost of agricultural loans improve personnel overall quality five aspects put forward the countermeasures for the sustainable development ability of agricultural loans.