Support And Research Of Small Loan Business Of Post Bank To Local Agricultural Economy

China is a famous agricultural country,and the problem of agriculture,countryside and farmers has always been the key problem to be solved in the process of development of our country.With the continuous development of agriculture and the adjustment of industrial structure,the proportion of output value of the three industries in the national economy is also changing.Although with the development of society,the speed of urban construction is increasing year by year.The proportion of rural residents engaged in agricultural-related production and management activities is relatively large,and the income of farmers is also relatively low.Due to the poor economic conditions of farmers,there is a widespread shortage of agriculture in the process of agricultural production,which seriously restricts the development of agriculture.And in the background of inclusive financial development environment At the same time,it is an important way to eliminate the gap between rich and poor in our country and realize social equity by carrying out microcredit business,which can effectively increase the income of farmers and also solve the problem of insufficient funds in agricultural production.China's Postal Reserve Bank has always been committed to serving agriculture,rural areas and farmers.At the same time,it has also actively provided micro-credit business to farmers.At the same time,it has also continuously increased the total amount and coverage of micro-loans,and fully solved the shortage of farmers' production funds.We will promote agricultural production.However,there are still many problems in the process of promoting the development of agricultural economy through the development of micro-credit business in Postal Reserve Bank,and the effect of the development of micro-loan business has been affected.Based on this,this paper takes the small loan business of Xinjin Branch of Postal Reserve Bank as the research object,and focuses on the analysis of its impact on the development of local agricultural economy.This paper is divided into five parts: the first part is the introduction part,which shows the premise,significance,relevant domestic and foreign research situation,the research methods used in this paper,the shortcomings and advantages of this paper.The second part is to sum up and analyze the basic situation of the small loan business of Xinjin Branch of the Postal Reserve Bank to support the local agricultural economy.On the basis of understanding the development of agricultural economy in Xinjin County and the current situation of supporting agricultural economy in the small loan business of the Postal Reserve Bank,it is clear from the investigation and research that the Postal Reserve Bank Small loan business to support Xinjin County agricultural economic development status.The third part puts forward the problems existing in the micro-loan business of the Postal Reserve Bank to support the development of the agricultural economy,and focuses on the process of supporting the local agricultural economy in the course of the micro-loan business of the Xinjin Branch of the Postal Reserve Bank.The more prominent credit risk issues are mainly discussed,including the lack of effective collateral,the non-standard registration of the land contractual management right mortgage,and the high loan expiration rate.On the basis of the above,the fourth part deeply analyzes the causes of the related problems,such as imperfect guarantee system,weak human resources support,the impact of potential natural disaster risk,and the lack of credit evaluation system.Sound.The fifth part is to analyze the above problems and reasons,draw lessons from the existing successful cases,respectively from the angle of legislation,policy,postal storage bank internal control point of view,put forward the corresponding supporting countermeasures.