Study On Financial Support Farmers Of Rural Commercial Banks In Zhang-jiajie City

In order to improve the level of rural living production,the state attaches great importance to rural financial reform and actively promote to the "Pratt & Whitney Finance." In the process of rural financial reform,rural commercial banks have gradually become the leading force of rural finance,so the rural commercial banks in the depth,breadth and strength of agriculture to put forward higher requirements.Zhang-jiajie Rural Commercial Bank will become an important financial force in the rural financial reform of Zhang-jiajie.Through the investigation and analysis of Zhang-jiajie rural commercial banks,this paper holds the status quo of rural commercial banks in Zhang-jiajie and puts forward corresponding countermeasures and suggestions.The first part of this article first summarizes the background and significance of the subject,and summed up the current research situation at home and abroad,the development of rural finance model,the success of domestic and foreign agricultural case,commercial bank support agriculture reform,rural credit supply and demand And analysis.The second part introduces the theory of supporting agriculture in rural commercial banks,summarizes the theory of agricultural credit financing,the theory of rural financial market,the theory of financial innovation and the theory of imperfect competitive market.The third part outlines the basic situation of Zhang-jiajie rural commercial banks,through its field investigation,to understand its support agriculture in the financial process of the scale of deposit and loan,service type and quality,innovation and development achievements,combined with Zhang-jiajie rural commercial banks to analyze the existing problems of their problems,summed up the main problems include: the relationship between credit supply and demand does not match,resulting in the phenomenon of demand;support the agricultural process by some objective factors;support agriculture funds cannot Special funds;support agriculture process there is a big risk.The fourth part analyzes the causes of many problems in the rural commercial banks of Zhang-jiajie,including the following: the agricultural and commercial banks are lagging behind the policies;the agricultural firms 'own factors hindered the development of the agricultural support;the farmers' understanding of financial support is not in place;Security mechanism is not sound and so on.The fifth part analyzes and analyzes the above reasons,and points out that Zhang-jiajie rural commercial banks need to start from the agricultural and commercial firms,the supervision,the system and the government in the process of supporting agriculture,including: improving the policies and systems of agriculture and agriculture;To promote the reform of agricultural and commercial banks;to strengthen the supervision of financial supervision;to establish and improve the credit guarantee mechanism to reduce the credit risk of agricultural firms.