The Research Of ABC Honghe Branch Credit Support For Agriculture Effect

In recent years,with the development of rural economy,the promotion from agricultural industrialization and rural infrastructure construction made fund demand expanding,agriculture as a high-risk,low-reward industry,most financial institutions are very cautious to choose the creditor,high requirements and strict standards resulted that it is very difficult to obtained a loan from financial institutions,farmers and agricultural enterprise loans difficult.In order to solve these problems effectively,Agricultural Bank of China as the backbone of rural financial system,taking the responsibility for serving "three agriculture ",it has played the leading role in the credit support of agricultural industrialization and rural infrastructure construction,improved the level of the rural finance service.In recent years,the agricultural bank adhere to serving local economic and social development of honghe branch,support plateau characteristic agriculture development as own duty,give full play to the financial service entity economic development goals,around ABC yunnan branch financial "JiangNong its rich peasants" strategy is put forward,based on "three rural",play the role of the main force in rural finance,honghe prefecture.The thesis by studying credit to support agriculture research both at home and abroad,according to the theory of rural financial market,rural credit subsidies theory as the foundation,using the method of literature,investigation,induction and empirical analysis and other research methods,the effect of the ABC honghe branch credit support agriculture were analyzed,and put forward Suggestions to improve the ABC honghe branch credit support agriculture.Paper through the analysis of honghe rural economic development and the present condition of the financial reform,ABC honghe branch credit to support agriculture development present situation,the credit funds for supporting agriculture economic growth in rural areas and farmers' income growth,rural infrastructure,agricultural transformation of scientific and technological achievements of the empirical analysis,on the basis of summary and induction the ABC honghe branch credit to support agriculture in agriculture system imperfect,credit funds for supporting agriculture is low,the problem of insufficient credit support for product innovation,and from the vulnerability of the rural financial environment,the credit to support agriculture and business combination is not enough,lack of effective way to guarantee credit to support agriculture tripartite face of the credit problems in agriculture are detailed analyzed.Finally,the paper according to the ABC honghe branch credit to support agriculture,problems cause analysis,empirical analysis results from the build a long-term mechanism of agricultural credit subsidies,do a good job in key areas of credit support services,increase the intensity of credit support for product innovation,optimize the allocation of resources to simplify the procedure of credit and create a good credit environment is put forward for improving the ABC honghe branch credit to support agriculture effect of specific measures.