Research And Thinking On Loan Placement Of Rural Financial Institutions

By the end of December 2017,the CBRC's published data showed that the national agricultural loan balance had reached 30.95 trillion yuan,an increase of 9.64%per cent in 2016.Chinese Academy of Social Sciences released the "Three rural" internet financial Blue Book data also shows:China's "three rural" financial gap of up to 3.05 trillion yuan,more than 40%of the financial needs of farmers are still difficult to obtain loans.Since the construction of rural credit system in our country has been in blind spot for a long time,the risk is uncontrollable,which restricts the long-term development of rural finance.As a result,many farmers are identified as "high-risk groups" by the lending departments of financial institutions.Traditional financial institutions think that the income level of this group of users is low and unstable,the ability of resisting risk is weak,and the capital demand is characterized by small and short term.In addition,as the traditional financial institutions in many rural areas of China still adopt manual approval and offline operation,many financial institutions are only deposit in rural areas,less lending,or even do not lend,which has become the main contradiction of financing problems in rural finance.Capital plays an essential role in the development of industry.In the same way,financial support is particularly important for the growth of rural economy and the development of agriculture.Rural credit input is the source of most of the rural funds,and in addition,a small part of the government's financial investment.In the area far away from the countryside Agricultural Bank has carried on the commercialization reform,the agriculture development banks have the more unitary business,in this circumstance,the rural financial market's main power becomes the agricultural Credit Society,the Agricultural credit cooperatives has provoked the credit to support the big term.Does the rural credit cooperatives have the ability to provoke the big term of supporting agriculture?Does the agricultural credit cooperatives play a role in supporting the support of agriculture?What effect and status are the credit cooperatives in agriculture?Around these problems,many scholars explored the relationship between rural credit funds and agriculture,as well as the relationship between rural credit and rural economy,this paper takes jinzhong economic development zone as an example,the Rural Cooperative Association of Cooperatives(Jinzhong development Zone)This paper probes into the rural industry development and Rural credit supporting in Jinzhong,and hopes to provide a useful reference for the Jinzhong financial support policy.