Problems And Countermeasures Of Rural Commercial Bank's Agricultural Support Loan In Changsha

As a large country with a population of nearly 1.4 billion,thanks to the reform and opening up,China's economic development has achieved great results.Although it has created a miracle in China,the large proportion of agricultural population is still a major burden on the Chinese economy.Therefore,the Chinese government has issued the No.1 document to solve the problem of agricultural farmers every year.Among them,the continuous flow of blood brought by finance to the development of the industry,among which,the commercial banks that are the main force have played a huge role.Unlike financial farmers,finance directly supports agricultural development through the use of credit funds.It is fundamentally different from the financial benefits to farmers,which are the government's contribution to the development of rural areas through the injection of funds.It depends on government support,and the financial benefits to farmers are a sustainable agricultural development method whose ultimate goal is to improve the economic development capacity of rural areas.Through the way of field investigation,this paper aims to study the problems and analysis of rural commercial bank's agricultural support loans by taking the branch of the rural commercial bank of Changsha and the town of Changsha as the research objectThis paper is divided into six parts from the perspective of rural commercial banks 'agricultural support loansThe first part mainly deals with the background of the research,its significance,the ideas,technical routes and methods available for research,and,on the basis of summarizing the previous support for rural finance for Huinong,forms the current situation and achievements of research at home and abroad.In order to provide reference for this research,finally form a review,summarize the current research situation and shortcomings at home and abroad.The second chapter is mainly divided into three theoretical parts,mainly on the theoretical basis of financial beneficial agriculture,and describes the characteristics of financial beneficial agriculture and the concept of financial beneficial agriculture.The third chapter mainly describes the current situation of agricultural support loans in Changsha Rural Commercial Bank.The present situation of rural commercial bank agricultural support loans in Changsha is described from four aspects: the institutional setting of agricultural support loans,the business flow of agricultural support loans,the business scale of agricultural support loans and the quality of agricultural support loans.The fourth chapter mainly analyzes some problems existing in agricultural support loans of Changsha Rural Commercial Bank.From the actual point of view,the author analyzes some reasons why agricultural support loans appear these problemsChapter 5,which is the main chapter of the thesis,is mainly based on the case study of the agricultural support loans in the town of Feima,and analyzes the bottleneck and obstacles of the agricultural support loans of Changsha Rural Commercial Bank under the current state in terms of the loan scale,loan structure,and loan quality.these problems are analyzed and the final "one kilometer" work of the financial farmers is resolutely done.Chapter 6,based on the problems existing in the agricultural support loans of Changsha Rural Commercial Bank,puts forward the relevant countermeasures and suggestions,so as to provide help to the relevant business developmentThis paper describes and combs comprehensively the work of rural commercial bank of Changsha in support of the financial agricultural support loan in jiaoma town,analyzes the effectiveness and bottleneck of the financial agricultural support loan from the theoretical point of view and the actual situation,starts with the specific data,and carries on the normative analysis.This paper describes the problems existing in Changsha Rural Commercial Bank on the financial support of farmers and gives some relevant suggestions in order to bring reference opinions to the relevant problems.At the same time,it also brings the feasibility opinions to the regional farmers similar to Changsha Rural Commercial Bank and Qiuma Town.