Current Situation,Problemsand Countermeasuresof Agricultural Credit Guaranteein Lin'an Supplyand Marketing Cooperatives

The reform of rural financial services plays a key role in promoting the development of agriculture and rural economy,and is an important way to solve the issues of agriculture.Through the construction of the financial service platform,the local governments have solved the bottleneck of the development of "financing difficulties and guarantee difficulties" in agricultural production and management.As the ssues of agriculture service department,the supply and marketing agency actively participates in the construction of the agricultural credit guarantee company.To provide guarantee services for agricultural enterprises,Farmers' Professional Cooperative,farmers and other business services,Take reform as an opportunity to explore the effective path of rural cooperative finance development in deepening reform.Based on the research results of relevant scholars at home and abroad,this paper analyzes the basic situation,main problems and related countermeasures,main practices and existing problems of Ling'an rural credit guarantee business.Through the research discovery,the Linan Supply and marketing cooperative agriculture letter guarantee service scale grows year by year,the credit guarantee network consummates gradually,the policy environment optimizes day by day,the industrial foundation depends on well,the guarantee service convenience promotes unceasingly.However,with the rapid development of rural credit guarantee business,supply and marketing cooperatives in the rural credit guarantee business is still facing the constraints of national policy,legal system,regulatory environment,social credit and self construction,the internal management system is still in the exploration,risk control,operation process is not standardized,the system operation mechanism needs to further improve the risk prevention capacity needs to be further strengthened.On this basis,combined with the successful experience of agricultural credit guarantee development both at home and abroad,the paper puts forward the relevant countermeasures for further development of Ling'an rural credit guarantee:Strengthening the support of the government to promote the stability of credit guarantee institutions;To establish an agricultural credit evaluation system to reduce the amount of compensation;Strengthening anti guarantee measures and increasing the loan recovery of agricultural credit guarantee institutions;Improving the risk prevention mechanism,improving from national policy and its own business;Deepen the cooperation of the bank and reduce the loss of creditguarantee institutions through bank loans and insurance services;And actively explore the industry chain guarantee mode,to improve the influence of agricultural credit guarantee institutions and promote the steady development of the guarantee industry.