Analysis Of Taishan Rural Commercial Banks Supporting Farmers' Loans

Rural commercial banks are one of the main parts of rural financial market supply.After years of development,they have become the main force in the rural financial market.With the government's support for agriculture,rural areas and farmers,the reform of rural economy has become one of the focuses of research.The means to solve the rural financial and economic problems is the rational use of funds.The current rural commercial banks are doing business loans to farmers,but because of the problems of high cost,high credit risk,and not difficult to fundamentally solve the problem of farmers loans,rural commercial bank loans to support rural he exists a variety of problems,so the research of rural commercial support farmers loan problems and improvement measures has important significance.This paper uses empirical analysis method to analyze the loan services of rural commercial banks,and then analyzes the problems existing in the development of rural commercial banks' loans,and puts forward some specific policy recommendations.The subject is divided into six parts.The first chapter outlines the research background,research status and research methods,laying the foundation for the study.The second part mainly analyzes the theoretical basis of peasant loan research,and discusses the development of farmer loan theory on the basis of analyzing relevant concepts.The third chapter analyzes the situation of Tai'an local rural economic development and rural commercial bank loans in rural areas,and puts forward the existing problems of Taishan rural commercial and main problem of system is not perfect,fewer types of loans.In the fourth chapter,the SWOT method is used to analyze the current situation of commercial bank microfinance.The development of rural commercial banks in Taishan has its own problems.The existing problems are concentrated in the aspects of product type,cost effectiveness and external demand.In the fifth chapter according to the above analysis,put forward by creating a good macro envirornment,change idea,innovation of farmers loans loan types,purify the rural credit environment and other aspects to make improvements,finally make a summary of the full text.