Research On The Optimization Of Agricultural Credit Products Of Agricultural Bank Of China In Shandong Province

With the continuous deepening of agricultural reform in China,the demand for financial support for agricultural development is growing.The application and development of agricultural credit products has become an important driving force to promote the rapid development of agricultural modernization.In this stage of development and transformation,the support for agricultural development is still obviously insufficient due to the problems of agricultural credit products.Therefore,this paper takes the agricultural credit product system of Shandong Branch of Agricultural Bank of China as the research object,and studies how to optimize the agricultural credit product to promote the healthy and sustainable development of agricultural economy.This paper mainly carries on three aspects of research work: first,from the two aspects of small farmers’ loan and agricultural production and operation loan,this paper analyzes the development status of agricultural credit products of Shandong Branch of Agricultural Bank of China,and selects the specific data of Z branch of Jinan Branch,which is representative,for quantitative analysis,and finds out the current practical problems of agricultural credit products of Shandong Branch of Agricultural Bank of China Then,from the perspective of the service subject of agricultural credit products,through the analysis of the financial demand characteristics and difficulties faced by farmers and new-type agricultural operation subjects,the paper analyzes the causes of the existing problems of agricultural credit products of Shandong Branch of Agricultural Bank of China,and further analyzes the reasons why the current agricultural credit products can not meet the new needs of the service subject;finally,according to the research content and points of this paper The results show that the corresponding optimization strategies are put forward for the application and development of agricultural credit products of Shandong Branch of Agricultural Bank of China.The main research results of this paper are as follows:(1)the main problems of agricultural credit products are found: the application process of small farmers’ loan is complicated and the bank yield is low,the agricultural loan cycle and agricultural production cycle are not coordinated and the risk prevention ability is weak,and the contradiction between the increase of loan amount demand and the failure to provideeffective mortgage guarantee is increasingly prominent.(2)From the perspective of product service subject,this paper analyzes the main reasons for these problems: the information asymmetry between farmers,new agricultural subject and banks,the high demand for mortgage guarantee of agricultural credit products,and the single product type.(3)Put forward the corresponding product optimization strategies,mainly including:online and offline multi-channel support for agricultural credit business,expand the way of mortgage guarantee to meet the loan demand,actively promote the cooperation mode of government financing credit enhancement and "government bank guarantee",and closely follow the transformation of new and old momentum of agriculture to realize the diversification of agricultural credit products.