| The branch of Sihong County of Agricultural Bank of China is the main force serving the agriculture,rural areas and farmers in Sihong area.It has always assumed the mission of agriculture,rural areas and farmers as its mission and social responsibility.Based on the actual operation of ABC in Sihong area,this paper clarifies the important role of Sihong Sub-branch of Agricultural Bank of China in supporting rural economic development in this region through a large amount of data.In the first chapter,it analyzes the characteristics of AB’s agriculture,rural areas and farmers,and establish a financial complete system for serving agriculture,rural areas and farmers.In addition to its general debit card function,the kings benefit Huinongnong card also serves as a small loan carrier for farmers,rural social security identification and payment for rural social security,rural public utility collection and payment,and financial subsidy agency.In accordance with GSP’s requirements of broad coverage and commercialization,the microcredit of farmers can be borrowed and repurchased in accordance with the actual use of the loan,minimizing the borrower’s interest expenses.The rural personal production and operation loans large loans to meet the needs of farmers engaged in large-scale production and operation of funds,can be used to guarantee,mortgage,pledge,farmers and other security measures.Rural urbanization loans for the county within the borrower to provide for improving production and living conditions in the county and enhances the carrying capacity of the county economy all types of infrastructure construction and development loans.The second chapter studies the demand of the county financial market and formulates the working measures,based on the actual situation of the economic situation in Sihong County.According to Hongze Lake Wetland Tourism Park and the surrounding financial needs of supporting tourism,it builds housing loans,farm music,farmers micro-loans,mobile POS and e-banking for farmers to.Sihong County has formed 124.7 million acres of land transfer,352,000 acres of aquaculture the agricultural and fishery industries on the water level are in a strong demand for industrial finance and handle quick and convenient loan business for farmers.In 2017,there are 160 major investment plans with a planned total investment of 53.4 billion yuan.According to the policy,the third chapter puts forward specific suggestions.In accordance with the goal of 100 million acres of new high-efficiency agricultural area in 2020,the Bank will provide financial products,such as "High Standard Farmland Construction Loan","Rural Land Consolidation Loan" and "Water Construction Loan"for farmland water conservancy infrastructure construction.Jiangsu Eco-Park".It will provide" County Tourism Development and Construction Loan ".Surrounding Suqian construction "Jiangsu ecological park" development orientation,it provides "county tourism development and construction loans","small town(city)construction loans","beautiful livable urban and rural loans","farm loans" for the tourism resources development,improvement of leisure agriculture,rural tourism and other public service facilities and engaged in leisure tourism management and other new industries in rural areas new farmers.It sets up a service concept of inclusive finance,giving priority to supporting large-scale farming,new main bodies,small and micro enterprises and the agriculture-related enterprises that actively perform their responsibilities of alleviating poverty.It industrializes leading enterprises and providing "enterprise working capital loan" and the government credit guarantee.It supports for ordinary farmers breeding industry and provides "small farmers loans" to achieve "whole village to promote".It will create "agriculture,rural areas and farmers" three-core financial services to achieve online financing,online loans to meet the financing needs of rural e-commerce.It provides online and offline payment and settlement services for rural customers and opens up the last mile of rural financial services. |
PDF Full Text Request