Agricultural Bank Of China Agriculture Loan Effect Research

Nowadays,Three Rural Issues have become serious subjects which are influencing economic development in China.Against the background of China's New Normal and ecological civilization,how to effectively solve the three issues has been an irresistible trend.The agricultural credit,as an important way to increase capital investment,is conducive to solving the issues concerning agriculture,countryside and farmers.Therefore,the research on the agricultural credit insured by banks is of great significance to better solve the Three Rural Issues and promote ecological construction.The article firstly gave a definition of agricultural credit based on much literature review at home and abroad and made a theoretical analysis on the feasibility of agricultural credit issued by Agricultural Bank of China.Secondly,the article elaborated the supply and demand of agricultural credit under the guidance of the supply-demand balance theory by taking the Agricultural Bank of China Yichun Branch as the research object and found out that the demand for agricultural credit obviously exceeded the supply.Thirdly,the article verified the effects of agricultural credit on rural finance and the income of farmers through empirical software and available data.Finally,according to the above studies,the article put forward some feasible suggestions for the full and effective implementation of agricultural credit:to expand the scale of agricultural credit,to strengthen the financial service function of agricultural credit,to innovate the modes of agricultural credit so as to push forward the pace of agricultural industrialization and to deepen reform of rural financial mechanism.