Research On The Optimization Of Small Agricultural Loan Products Of Rural Commercial Banks In Poyang County

Microcredit is an "exotic" in China.In 1994,the microcredit "Bangladesh model" proposed by professor muhammad yunus was introduced into China by international organizations,and China began to explore the localized microcredit model in line with national conditions."Wuyuan model" is one of the important experience of small agricultural credit in China,its effective implementation and significant results show that small agricultural loan business to promote rural economic development and the necessity and feasibility of improving farmers' living standard.However,along with social development and changes and small agricultural credit comprehensively deepen business,small agricultural credit problems gradually exposed,in the implementation of domestic scholars concern about the sustainable development of small,in order to find a small agricultural credit scientific development road with Chinese characteristics.This article from the status quo of Poyang County microfinance products and the existing problems,to explore ways to optimize the microcredit products,not only puts forward the proposal to Poyang County microfinance products,also expects to submit a sample study for the optimization of China microcredit system.Based on the related literature reading theory,in-depth Poyang County agricultural firm Bank of site investigation,collect first-hand information.Based on the basic theories of microcredit,through the investigation and analysis of operation situation analysis of Poyang County Rural Commercial Bank microcredit business,put forward the improvement measures of microfinance products.This article is composed of five parts,respectively is the status of microcredit operation introduction,basic theory,microfinance in Poyang county and the corresponding improvement measures.The introduction of the research background and significance of the comprehensive review the research situation of small agricultural credit products at home and abroad,and puts forward the research methods and contents.From the macro point of view,it shows the research ideas of the paper.The second chapter introduces the basic theory of microfinance,show the basic theory of microfinance operation advantage from basic concept,microfinance microfinance and microcredit interest rate etc..The third chapter introduces Poyang County microfinance products the status quo and problems,including the introduction of Poyang County Rural Commercial Bank and microfinance products,reveals the problems existing in operation.This paper focuses on Poyang County microfinance products improvement measures.From the microfinance target(farmers)point of view,through the establishment of demonstration in rural areas to improve microcredit product approval of the farmers,by subdividing the target customers to achieve targeted credit;from microcredit executives(credit clerk)point out,to cultivate a group of proficient sureness the rural credit business through training and incentives,decomposition responsibility means;starting from the security mechanism of microfinance and microcredit to improve the ability of risk prevention mechanism through the establishment of farmer credit evaluation and risk prevention;from the perspective of microcredit services for sustainable development,adapt through the establishment of market mechanism and interest rate pricing standards to guarantee microcredit business profitability;starting from microcredit services policy environment,to enhance the financial support of the government through small The amount of credit operation ability.Finally,on the basis of summing up,emphasizes the necessity of microcredit product optimization and prospects for the sustainable development of microcredit business in china.