Research On The Development Bottleneck Problem And Countermeasure Of The Loan For Farmers Of Bank A

In recent years,due to its convenience and effectiveness,the loan for farmers has attracted more and more attention nationwide and is widely welcomed by government departments and the general public.Especially under the new situation of vigorously implementing the strategy of vitalizing rural areas and accelerating the construction of new rural areas,the loan for farmers plays a more important role in supporting "agriculture,rural areas and farmers".Since 2000,China has been vigorously promoting the loan for farmers participated mainly by the rural commercial bank(the original rural credit cooperatives)nationwide.Since then,the loan for farmers has got rapid development and it has become the major loan business variety and the main profit growth point of the rural commercial bank,realizing the "win-win situation"between the "agriculture,rural areas and farmers" and the rural commercial bank.This paper assumes Bank A(refer to a rural commercial bank of A county)as the research object,it studies mechanism and system of the bank,the supply and demand of loans and credit culture of the bank,and finds that although the loan for farmers has got great progress in recent years,but there are still some problems and deficiencies in practice.The loan for farmers of bank A has entered the bottleneck of development period,and is far from adapting the requirements of the current new situation and new requirements.Firstly,this paper successively defines the concepts of the rural commercial bank and the loan for farmers,and analyzes the characteristics and role of the loan,and then clarifies the concepts of inclusive finance theory,transaction cost theory and information asymmetry theory as the theoretical basis of this paper.Secondly,it introduces the basic situation of Bank A and the development environment of the loan,and carries on the SWOT analysis to the loan,then an in-depth analysis is made from four aspects,i.e.,loan orientation,product types,loan usage and loan limit,and puts forward five aspects of the bottleneck problem,i.e.,the demand and supply of the loan,loan model,loan procedures,loan risk and corporate competitiveness.Thirdly,it introduces the analytic hierarchy process,and applying the method to the mathematical analysis of the influence factors of the development bottleneck problem of the loan for farmers of Bank A,identifying the main cause of the loan entered the bottleneck period of development.Finally,the author puts forward targeted countermeasures for the further development of the loan for farmers of bank A from the five aspects of improving the core competitiveness of the enterprise,improving the access to credit,providing differentiated loan service mode,broadening the channels of capital sources,and fully preventing and controlling the credit risks of the loan.