Research On Credit Support Agriculture Management Of HS Rural Credit Cooperatives In Heilongjiang Province

In recent years,China adheres to solve "three agriculture" problem as the top priority of the party work,perfecting strong peasants,rich peasants policy system.Party’s eighteen big stress adhere to and improve the basic rural operation system and the third plenary session of the eighteenth further emphasize and improve the mechanism of the integration of urban and rural development system.Finance is one of the important policy tool of national macroeconomic regulation and control,as the mainstay of rural financial market,rural credit cooperatives in the guidance and supervision of community economic development,promote economic and community members of the social progress,and promote urban and rural development of small and medium-sized enterprises are playing an increasingly important role.HS city in heilongjiang province is an important agricultural city of heilongjiang province and the national important commodity grain base,agriculture and animal husbandry products base and green food base,to further strengthen the HS city credit cooperatives support agriculture business management level,for the HS city development of regional economy,optimizing the industrial structure,to provide financial support to agricultural modernization and informatization development.From the basic theory of the management of rural credit cooperatives credit support agriculture business,define the meaning of rural credit cooperatives,rural credit cooperatives credit support agriculture business,as well as financial repression theory,financial innovation theory and the theory of the rural financial credit support agriculture business management the theoretical basis of rural credit cooperatives;Using research methods such as literature research and comparative analysis,elaborated the HS the city’s overall rural credit cooperatives,agriculture products,agriculture innovation and credit situation,Reveal the existence of credit support for small,poor credit to support agriculture structure,less credit to support agriculture products,credit to support agriculture efficiency lower and weaken the supervision and management of credit risks,as well as the government support limited funding,lack of legal system,personnel quality improvement,lack of internal management mechanism and credit risk awareness is not strong and so on;In reference to domestic and foreign financial institutions to support agriculture,on the basis of business management experience,optimize the financial products and services of supply and demand structure,three-dimensional credit management system construction,enlarge the coverage of financial services to maximize effect and different customer demand for personalized service and docking HS city credit cooperatives support agriculture business management revelation;For HS city credit cooperatives support agriculture business management problems and the causes of rural financial idea,the innovation credit to support agriculture mode,optimize the structure of credit to support agriculture,strengthen the supervision of financial risk,and improve the operation management mechanism and so on countermeasure,aims to improve the level of support for business management.