A Study On The Management Of Reloan For Supporting Agriculture And Small Businesses In Jingdezhen

As an important part of the monetary policy tool of the PBC,supporting agriculture and supporting small businesses plays an important role in monetary policy transmission and supporting banking financial institutions to increase the credit supply to the weak links of the real economy such as agriculture,small businesses.In order to further improve the macro-control,standardize the function orientation of supporting agricultural small businesses refinancing,give full play to the liquidity management of the PBC and guide financial institutions to optimize the credit structure,this paper starts from the meaning of supporting agricultural small businesses refinancing and the research background and significance of its management,makes full use of the combination of theoretical research and practice research,and uses literature theoretical research,investigation,statistical analysis and quantitative determination As a research method,based on the perspective of the bank,combined with the management and use of the small-scale agricultural re-loan,policy play and other situations,this paper analyzes the management and application of the small-scale agricultural re-loan business.In the theoretical research,we mainly read a lot of relevant literature,combined with the research results of domestic and foreign scholars,to find out how to guide banks to use the refinancing funds improve the financing of agriculture related and small and micro enterprises through management,and provide theoretical guidance;In the practice study,through the description of the current situation of the management of the small businesses loans,this paper analyzes the transmission mechanism of the monetary policy tools of the PBC,recognizes the problems in the management and use of the small businesses loans,and puts forward the effective measures to optimize the management of the small-scale loans.The study of this paper is conducive to improving the management and use of small businesses loans for agriculture,providing reference for other branch of PBC,local governments and other institutions in policy-making and management.At the same time,it has important practical significance for further improving macro-control,better playing the role of monetary policy tools of the PBC,and promoting financial services to the real economy.First of all,on the basis of a full overview of the relevant literature on the management of small re-loans in support of agriculture,this paper focuses on the status quo of the management of small re-loans in support of agriculture in Jingdezhen in recent years.By describing the release,cost level,term management and capitalinvestment of the re-loans in Jingdezhen,we can understand the specific release and use of the re-loans,and learn from the management measures of the PBC at the grassroots level,the local government's policies and measures to understand the management of the re-loan policy,from the perspective of the bank to understand the implementation of the re-loan policy.Secondly,it expounds the problems in the management of the re-loan,analyzes the problems in the management of the use of the re-loan and the management after the loan,and analyzes the problems in the willingness of the bank to handle the re-loan,the mortgage guarantee of the bank's re-loan object,the profit space of the bank's use of the re-loan,the service life of the re-loan,and the implementation of the management after the loan of the re-loan The paper puts forward the optimization measures of re-loan management,such as establishing positive and negative incentive mechanism,matching multiple policies,differential pricing mechanism,optimizing the term allocation of re-loan,and establishing security mechanism.Then,the paper expounds the implementation effect of the optimization measures of the re-loan management.Finally,the conclusion is drawn that the effective management of the PBC's small and medium-sized loan can better guide the banks to play the role of credit,promote the development of entities,improve the economic structure and maintain the regional stability,and put forward the deficiencies and prospects for the future implementation of the management of small and medium-sized loan by the branch of PBC.