Research On Agricultural-related Credit Products And Services Of Jiangdu Rural Commercial Bank

Whether the work of "agriculture,rural areas and farmers" can be well related to the overall economic and social development of our country.Rural commercial banks(abbreviated as agricultural commercial banks)as the main force of rural financial work,have been playing a very important role in supporting the "three rural" work.The current rural strategy has brought unprecedented opportunities and challenges to rural commercial banks.Opportunities lie in the process of rural economic restructuring and resource allocation,the rearrangement of land,capital,labor and other factors of production has given rise to huge new financial needs.The challenge is due to the innovation of service concept and management thought brought about by the rapid development of rural economy,forcing the agricultural and commercial banks to completely change the old thinking and old way,break the "path dependence",dare to "break the old and establish the new",and really do a good job of "supporting agriculture".Taking Jiangdu Rural Commercial Bank(Jiangdu Agricultural Commercial Bank)as an example,this paper mainly studies the agricultural credit products and services provided by Jiangdu Rural Commercial Bank before and after the business transformation,and makes an empirical analysis with the current "whole village credit" as an example.Then,the paper analyzes the demand and efficiency of agricultural credit in Jiangdu District,investigates 585 rural households,some leading agricultural enterprises,family farms and farmers'professional cooperatives,and establishes a co-integration test model to explore the impact of agricultural credit input on rural economic development.The promotion effect.Based on the above analysis,this paper points out the problems existing in the agricultural credit products and services of Jiangdu Agricultural Commercial Bank,such as the lack of innovative ability of agricultural credit products,the lack of standardized agricultural credit processes,the low rate of loan acquisition,and the reluctance of some customer managers to lend,and then analyzes the reasons for these problems.Finally,it tries to put forward some countermeasures and suggestions for further optimizing agricultural credit products and services.Starting from the external policy,it is necessary to give the Agricultural and Commercial Banks strong support in resolving the difficulty of loan guarantee,guiding the transformation and development of enterprises,dealing with non-performing assets through cooperation between banks and governments,and promoting the construction of credit system.Starting from the self-construction of Jiangdu Agricultural and Commercial Bank,there are six main measures:first,to increase the intensity of agricultural credit and accelerate the pace of product innovation,such as the introduction of "planting loans"for large farmers,household farmers and professional cooperatives in rural areas;second,to improve service channels,promote stratified services,and strengthen the "one-stop" service.Beginning with,enhance the service quality and efficiency earnestly;third,further enrich the connotation of "whole village credit" and make every effort to create the brand of micro-credit for farmers'wholesale credit and mobile phone self-help loan;fourth,strengthen the communication and exchange between the supply and demand sides,timely understand the capital needs of the agricultural main body;fifth,strengthen the team building,forge a professional and dedicated work.Customer managers to meet the needs of the rural market for financial services;6 is to coordinate the promotion of rural credit system construction.