Research On The Development Of Agriculture-related Credit In Baoji Branch Of Changan Bank

Agriculture is the basic industry of the national economy.Especially for China,which has a population of nearly 1.4 billion,the basic strategic position of agriculture is more prominent.With the continuous advancement of modern agriculture and rural revitalization strategy,agricultural development,especially the development of agricultural industry,has put forward new requirements for agricultural finance,especially agricultural credit.As far as the development of financial support industry is concerned,agricultural finance is a weak link in China’s financial services.Because,on the one hand,the agricultural industry development present situation and the trend of the demand for agricultural financial diversification,scale and personalized requirements,on the other hand,China’s agricultural financial services is relatively weak,which leads to agricultural financial demand and financial supply between the increasingly prominent contradiction between supply and demand,how to better play to the role of the financial support agriculture,promote the development of our modern agriculture is the research background of reality.Based on agricultural financial supply contradictions as research,to agricultural credit as the research Angle of view,to the bank of changan,baoji agricultural credit business as a specific case study,adopts literature research,case analysis,field visits and other research methods,on the basis of system carding the research status at home and abroad,mainly studied the related theories of agricultural credit,changan baoji branches of agricultural bank of bank of credit business situation,changan,baoji agricultural credit business SWOT analysis,etc,on the basis of the analysis put forward the changan baoji branches of agricultural bank credit business development countermeasures.Through this study,it is concluded that there are two key factors for baoji branch of changan bank to improve the agriculture-related credit services: first,the consistency between agriculture-related credit financial products and the development needs of agricultural farmers;Second,the quantity and quality of agricultural information financial products.At the same time,put forward 5 agricultural credit development countermeasures of baoji branch of changan bank,mainly including traditional and new modes of collaborative competition,to achieve double win;Establishing a large database to promote exogenous financial endobiosis;Establish special rural customer credit evaluation system;Control risks and gradually strengthen the management of loan pricing;Properly and efficiently deal with the problem of farmers’ breach of contract and other aspects.Through the research in this paper,on the one hand,it is hoped that the study of relevant countermeasures can promote the development of agribusiness credit business of chang ’an bank to some extent;on the other hand,it is hoped that the study in this paper can provide some reference and inspiration for the development of agribusiness business of commercial Banks.