Branch Of Agricultural Development Bank Development Of Leading Enterprises In Agricultural Industrialization

Agriculture,working as the basic industry of the development of society and economy in our country,plays an important role in maintaining the social stability and guaranteeing national life quality.Therefore,promoting agricultural economic development is concerning the national economy and people's livelihood and attracts much attention of municipal government departments.These years,Luoyang,a major agricultural city,develops vigorously on the agricultural economic front,but some problems just like the low degree of agricultural products marketization and the shortage of funds have seriously restricted the process of agricultural modernization.Agricultural development bank,the policy bank in china,is engaged in helping agricultural economic development.Therefore,the paper,taking Luoyang branch of agricultural development bank and the leading enterprise of agricultural industrialization as objects,conducts a thorough study on the development of leading enterprises of agricultural industrialization supported by Luoyang branch of agricultural development bank.This paper firstly elaborates the signification of the development of the leading enterprises of agricultural industrialization supported by Luoyang branch of agricultural development bank from both the theory and reality aspects.Based on reviewing the research results,conducted by foreign and domestic scholars,concerning the development of leading enterprises of agricultural industrialization supported by Agricultural Development Bank and introducing the concepts of agricultural industrialization and the leading enterprises of agricultural industrialization,the paper,according to the theories of all-directions risk management,financial support for agricultural industrialization and the credit risk management,conducts the descriptive statistical analysis on the development and current financing situation of the leading enterprises of agricultural industrialization and the overview of the leading enterprises of agricultural industrialization supported by Luoyang branch of agricultural development bank.And it also analyzes the contradiction between the amount of credit and the demand for credit funds of the leading enterprises of agricultural industrialization supported by Luoyang branch of agricultural development bank,the contradiction between the prudence of loan and the timeliness of financing and the reason of the imperfect risk control.Through analyzing the current situation and existing problems of the leading enterprises of agricultural industrialization supported by Luoyang branch of agricultural development bank,the author proposes some related strategies on the service construction of the leading enterprises supported by Luoyang branch of agricultural development bank from these three aspects,including easing the contradiction between supply and demand,promoting harmonization of loan input and financing timeliness and strengthen risk management.Some measures are taken to solve the contradiction between the supply and demand by increasing the total amount of financing credit and new ways of funds delivery.To solve loan delivery and the timeliness of financing,some ways like streamlining lending processes,increasing efficiency,using the classification processing method based on customer's actual needs,optimizing projects and promoting services are necessary to take.At last,Optimizing the loan process and improving the Loan Management System are efficient to prevent and control the risk.It will not only reduce the credit risk of the agricultural development bank,but also play an important role in the promotion of leading enterprises of agricultural industrialization in Luoyang.