Research On The Development Of Small Agricultural Loan Business Of Ziyang Rural Commercial Bank

All along,the issue of “agriculture,rural areas and farmers” is one of the core issues in China's economic development.The government often emphasizes that it should increase financial support for “agriculture,rural areas and farmers”.In the tough battle of financial supply side reform,the financial supply in the "three rural" areas is seriously inadequate,and the rural economic development has encountered certain bottlenecks.Based on this,since the 13 th Five-Year Plan,the state has introduced many policies to promote rural financial development.In this context,many participants have seen the great prospects for the development of agriculture,rural areas and farmers.The rural commercial banks that were born and survived in the countryside will certainly not be absent.The important way to participate in the three rural finance is the microfinance products of farmers.Small-scale agricultural loans refer to credit products that provide low-income farmers as loans to solve the problems of agriculture,rural areas and farmers and provide financial support.State-owned big banks and joint-stock banks are the main force of agriculture-related loans,while rural commercial banks are the main force of small-scale agricultural loans.Agricultural commercial banks have systemic advantages,are directly linked to the rural population,and are more proactive and actively seek out the lack of money.The farmers' loans will actively solve the difficulties faced by farmers in production and life.Ziyang Rural Commercial Bank is a municipal-level local financial institution.For many years,Ziyang Rural Commercial Bank has fully played its role as an economic “booster”,serving local “three rural” and small and medium-sized enterprises,and promoting the economic development of Ziyang.Ziyang Rural Commercial Bank has more than 60 grassroots outlets in urban and rural areas throughout the city.The small-scale agricultural loans carried out in rural areas are a microcosm of the development of small-scale agricultural loans in China.This paper discusses the development of small-scale agricultural loans in the case of Ziyang agricultural business.Problems and solutions.While the small-scale agricultural loans of Ziyang Rural Commercial Bank play an active role,they also face many problems in the development process: First,the source of funds is single,mainly from deposits and government-related subsidy funds;Second,due to lack of guarantees and mortgages,farmers The default rate of failure to repay on time is high;third,the income of small-scale agricultural loan products does not match the risk,because the small-scale agricultural loans under the policy requirements use low-interest methods,but the operating costs are high and the risks assumed are large,resulting in The operating institutions have low willingness to operate;Fourth,the main target of small-scale agricultural loans is the underdeveloped rural areas,and the agricultural base in these areas is relatively weak,and the ability of farmers to resist natural risks is slightly insufficient,which indirectly affects small-scale agricultural loans.The speed of repayment;V.Although the small-scale agricultural loans have developed rapidly in recent years,compared with the huge demand,the coverage of small-scale agricultural loans is still low,and the difficulty of rural household loans still exists.As an important provider of small-scale agricultural loans in Ziyang,Ziyang Rural Commercial Bank needs to comment on the development status of Ziyang Rural Commercial Bank's small-scale agricultural loans,analyze the problems encountered in the development of small-scale agricultural loans,and propose appropriate solutions to solve the development.The dilemma is to promote the contribution of Ziyang Rural Commercial Bank in serving the “three rural issues”.The author once worked in Ziyang Rural Commercial Bank and participated in the development of small-scale agricultural loan business.Therefore,the author will use the business development data of Ziyang Rural Commercial Bank's small-scale agricultural loan as the basis,and assist in the systematic study of small-scale agricultural loan business through questionnaire survey,post-loan return visit,and field research.The research idea of this paper is to first introduce the development status of Ziyang Rural Commercial Bank's small-scale agricultural loan business,then analyze the credit demand of small-scale agricultural loans of Ziyang farmers,and then analyze the current supply of small-scale agricultural loan business of Ziyang Rural Commercial Bank.Comparing and analyzing the supply and demand of small-scale agricultural loan business,this paper points out the actual problems in the development of small-scale agricultural loan business of Ziyang Rural Commercial Bank.Finally,this paper makes reference to the experience of the development of micro-agricultural business at home and abroad,and puts forward suggestions on promoting the development of micro-agricultural loan business of Ziyang Rural Commercial Bank in combination with actual development problems.The author divides the full text into six chapters: the first chapter is the introduction,including the background and significance of the research,the literature review at home and abroad,research ideas and methods,innovation points,etc.The second chapter is the small amount of agricultural loans in Ziyang City.The demand survey research;the third chapter introduces the supply situation of Ziyang Rural Commercial Bank's small-scale agricultural loan;the fourth chapter analyzes the problems encountered in the development of Ziyang Rural Commercial Bank's small-scale agricultural loan business;the fifth chapter is mainly aimed at Ziyang Rural Commercial Bank.The problems arising from the amount of agricultural loans are based on domestic and foreign management experience.The sixth chapter is to propose five suggestions for promoting the development of small-scale agricultural loan business of Ziyang Rural Commercial Bank: first,to innovate products and implement differentiated competition strategies,and second,to strengthen the construction of credit personnel.The third is to play the role of agricultural insurance in the protection of small-scale agricultural loan business,the fourth is to strengthen the internal control system of risk management,and the fifth is to create an ecological environment suitable for the development of small-scale agricultural loans.The research in this paper has both practical and theoretical significance.The practical significance of this paper is that small-scale agricultural loans have strong financial orientation,can promote rural economic development,catalyze the maturity of agricultural production technology,and regulate the gap between the rich and the poor in rural areas.Therefore,the development of small-scale agricultural loans for the construction of rural areas in China,It is especially important to promote the increase of farmers' income and the improvement of agricultural development.The theoretical significance of this paper is to study the development of small-scale agricultural lending institutions and scales,support the three-agricultural production,and also study how to control the risks generated by small-scale agricultural loans,and take effective risk prevention measures to ensure It realizes the ways and modes of achieving a win-win situation between farmers and financial institutions in the development of rural economy.The possible innovation of this paper is that this paper starts from the actual situation of rural areas in Ziyang City,and sorts out the specific family economic situation and credit demand of Ziyang City farmers through questionnaire survey,which is of guiding significance for Ziyang Rural Commercial Bank to improve existing products and services.The five proposals put forward in this paper to promote the high-speed and high-quality development of Ziyang Rural Commercial Bank's small-scale agricultural loans are also useful for other provinces and cities or other banks.All in all,the author aims to find problems,solve problems,and find a path suitable for the development of small-scale agricultural loan business of Ziyang Rural Commercial Bank,to promote the development of small-scale agricultural loans in Ziyang,promote the promotion and upgrading of agricultural production,and promote the poverty of farmers.