Research On Credit Risk Management Of Agricultura Banking Small And Medium-sized Enterprises In Xinyu City Under The Reform Of Agricultural Supply Side

The Agricultural Development Bank of China China is a specialized mainly engaged in grain and oil supply of credit funds and agricultural development,poverty alleviation loans,the implementation of the national agricultural policy bank,one of China's first Agricultural Bank was established in 1994,its purpose is to serve the agriculture.But with the recent years our country agriculture promotion mechanism market reform,small and medium enterprises gradually become active in the market economy,the employment rate of our country increases,the innovation of science and technology,the improvement of people's living standards have played an important role,has become an important part of our national economy.And then the background of China's agricultural supply side reforms next,China The development of agriculture construction,adjustment of agricultural and domestic agricultural enterprises,in this context,the development of small enterprises in our country gradually into a bottleneck.The biggest obstacle factor lies in the shortage of funds of small and medium-sized enterprises so the accumulation of China's middle and small agricultural enterprises in addition to the internal funds,bank loans has become an important way for small and medium-sized enterprises to solve the funding problem.However,from the China Agricultural Development Bank loan data in the actual point of view,China's small and medium enterprises to apply for loans but for a disadvantage.In terms of risk control measures,credit scale and management competencies are limited,bank credit is inclined to big soes and large projects.small and medium enterprises and private enterprises due to the development of small scale,management is not standardized,the influence factors of higher credit level,so that small and medium enterprises especially vulnerable agricultural private enterprise credit full discrimination in our country.In order to solve the financing difficulties of small and medium-sized enterprises in China,In recent years,China has attached great importance to the financing of small and medium-sized enterprises.The government has successively issued a number of policy documents to encourage banks and other financial institutions to support the development of small and medium-sized enterprises and to solve their financing difficulties.Since 2004,China's basic annual No.1 document will focus on the “three rural issues”.including the small and medium-sized enterprises loan problems.Farming issue as rural services,construction of new rural banks,As a functional bank,the main purpose of the Agricultural Development Bank is to provide support for the development of Chinese agriculture.Therefore,it is the responsibility that providing financial support for agricultural enterprises.At present,the Agricultural Development Bank as a policy bank,its essence is to make up the short board of the bank,Chinese agricultural development gradually expand their scope of business,financial support to expand the scope of various agricultural enterprises under the market economic system of ownership since 2004,which had a positive impact on promoting Chinese rural local economic development and new rural construction etc.Long time to see,the development of Agricultural Development Bank is consistent with the structural reform of supply side highly.It has become the core force to solve the problem of agriculture,countryside and farmers to push forward the construction of new countryside.For the agricultural issue,how to solve the problem of shortage of funds in the current development of SMEs encountered in agriculture and accelerate the healthy and orderly development,It is not only the main responsibility that it should bear,but also the concrete embodiment of the implementation of the relevant national strategies and policies.In recent years,loans for the behavior from our country SMEs in the agricultural issue were found out,achievements have been made in the development of grain production and farmers income growth,to a certain extent,the farmers' income increase,alleviate the employment of rural labor force the pressure,and the price of agricultural products become more stable and reasonable,played a positive role in solving the "three rural issues",but at the same time in their development is still facing some prominent problems,such as the agricultural modernization of the short board support is insufficient,financial support is limited relatively in poor rural areas,From a comprehensive perspective,the support of agricultural development bank to private enterprise loans is mainly concentrated on the following aspects: small scale of loans,low loan delivery and high overall risk of loans.Facing the background of the national agricultural supply side,in order to meet the needs of economic development,how to play the issue as a special policy bank,encourage and guide social capital to flow into rural areas,solve the short board problem,has become a current issue of agricultural development priority among priorities.Based on the study of the Agricultural Development Bank of Xinyu branch research object,through the SMEs credit management basic situation of combing the main existing problems analysis,and the reasons of these problems are analyzed,some means are given to solve these problems of agricultural supply side reform response measures.