Research On Problems And Countermeasures Of Rural Credit Cooperatives In Ning'an City

In 2018,the no.1 document of the central government put forward a plan to revitalize rural areas,putting solving problems related to agriculture,rural areas and farmers at the forefront of the development of The Times.With the rapid development of the rural financial market,financial institutions have been increasingly working at the county and township level,making great contributions to improving the efficiency of rural deposit and loan and improving the convenience of farmers' life.However,in addition to agricultural Banks,rural credit cooperatives,rural Banks and other Banks that mainly serve agriculture,it is difficult for most Banks in China to meet farmers' credit needs in rural areas.Agricultural credit is affected by the risk of agricultural industry,the instability of rural financial environment and the insufficient repayment consciousness of farmers,so there are still many problems to be solved in rural areas.In recent years,rural finance in Ning'an city has been developing steadily.However,due to the influence of some objective factors,agricultural credit will encounter many problems in the process of promoting rural economic development,which directly affects the sustainable development of rural economy and the harmony and stability of rural life in Ning'an city.Taking Ning'an agricultural loans of rural credit cooperatives as the research object,the first comb the related research literature,and the paper summarizes financial institution of agriculture credit theory,on the basis of exploring Ning'an agricultural credit current situation of the development of rural credit cooperatives,It mainly includes the present situation description of the supply side and the questionnaire survey of the demand side.and second,summarize Ning'an agricultural credit problems of rural credit cooperatives,including credit management ability is insufficient,financial product design shortcomings and rural financial environment disorder;And from its own cause analysis product design credit demand and rural financial environment chaos analysis of the specific causes of the problem.Third,the domestic experience of the summary and reference,put forward practical Suggestions for solving the problem.Finally,from the perspective of strengthening the management and publicity of agriculture-related credit,accelerating the innovation of financial products and strengthening the optimization of financial environment,the countermeasures to solve the agriculture-related credit problems of rural credit cooperatives in Ning'an city are put forward.It is expected to contribute to the development of rural economy in Ning'an city,and provide better financial environment and financial products for the benign development of agriculture-related credit,so as to meet the increasing credit demand of farmers.