Investigation And Exploration Of Information Technology In Improving Agricultural Loans

The rural credit problem is related to the rapid development of the agricultural economy,studying the law of rural credit funds,using information technology to manage rural credit,planning the pace of rural credit development,improving the credit compensation system,improving credit risk control,and guiding financial institutions.The current situation of rural credit has improved.Based on the characteristics of rural economic development in Dalian,Liaoning Province,this paper investigates the problems of rural loans,analyzes and studies the existing data,and based on current policies,refers to advanced management methods and development measures of information technology,and draws on advanced foreign experience.Information technology promotes the solution of rural credit problems and proposes rationalization.This study analyzes the current situation of rural loans of Dalian Rural Commercial Bank,and analyzes the reasons for the deterioration of Dalian Rural Commercial Bank's asset quality: information management is not in place,agricultural product sales model is backward,agricultural disaster prevention is not timely,and information technology application is insufficient.The basic measures for using information technology to improve agricultural loans were proposed,including the construction of rural credit management platform,the active development of agricultural e-commerce services,the construction of agricultural early warning and forecasting disaster systems,and the adoption of flexible personnel training measures to effectively improve rural credit problems.Bank loans have been developed green,using information technology to manage agricultural credit to assist agricultural decision-makers and operators to produce,agricultural production to achieve maximum profits with minimum investment,thereby improving the efficiency of agricultural production,making agricultural loans better serve the countryside,improve The ability of commercial banks to resist risks against agricultural loans has certain reference significance for the improvement of Dalian Rural Commercial Bank's rural credit risk management system and its own development.