Research On The Development Of Agricultural-related Loans Of Agricultural And Commercial Banks In Zhangye City

With the proposal of the "rural revitalization" strategy,the Party Central Committee has put forward new requirements for rural development.As an important tool for resource allocation,finance is one of the indispensable means to promote the implementation of the “Village Revitalization” strategy.Zhangye City is located in a remote area in the northwest.The problems of rural,peasant and agricultural “three rural issues” have always been the bottleneck factors that plague local economic development and restrict Zhang's social progress.Since its establishment,Zhangye City Rural Commercial Bank has been committed to financial support for agriculture and service for agriculture,rural areas and farmers.Its agriculture-related loans have always occupied a very important position in various loans,and it is the main form of asset business of rural commercial banks.Finance supports the most direct means of“ agriculture,rural areas and farmers ”.Therefore,it is of great significance to improve the agricultural-related loan system of rural commercial banks,to promote the economic development of rural areas,to improve the rural economic level,and finally to achieve rural revitalization and build a comprehensive well-off society.This paper takes the agriculture-related loans of rural commercial banks in Zhangye as the research object,and finds through the field investigation: 1.The internal problems of agricultural loans in rural areas of Zhangye are characterized by unsound risk management,the non-performing loan rate continues to rise,the loan coverage rate is low,and the loan structure is not Reasonable,inadequate products and services;2.External problems are manifested by insufficient government incentive funds,reduced support for agriculture-related loans,inability to develop insurance and agriculture-related loans,and imperfect credit systems.Therefore,this paper believes that: 1.Establish a sound agricultural credit risk management mechanism,deepen the full coverage of financial services at the grassroots level,increase the preferentialness of urban agriculture-related loans,support rural leading enterprises,and further increase agricultural-related loan products and services.Innovate,do a good job in staff training and education to solve internal problems;2.Set up special reward funds for agriculture-related loans,promote the integration of insurance and agriculture-related loans,focus on the cultivation of credit awareness,and promote the construction of rural credit system to alleviate external problems.