Research On The Implementation Of Credit Policies For The Integration And Development Of Rural Industries

Since the reform and opening up,with the continuous development of economy,society and agricultural technology,China’s agriculture and other industries such as manufacturing and service industries have shown a trend of integration,further improving the efficiency of agricultural production,which has played a certain role in promoting the prosperity of agriculture,increasing farmers’ income,and improving the development of villages.From supporting the development of township enterprises to supporting leading enterprises in agricultural industrialization,to clearly proposing to promote the integrated development of rural primary,secondary and tertiary industries,the country has been paying more attention to the integrated development of rural industries,and its ideas have become clearer.It points out the direction for the future development of rural industrial integration.The integrated development of rural industries cannot be separated from the guarantee and support of capital elements,and credit funds are still the main source of financing for agricultural related subjects.In recent years,government departments and financial supervision departments have formulated and issued a series of credit policies for the integration and development of rural industries,which require reducing the access threshold for agricultural related subjects,increasing the innovation of credit products and service models,and increasing the loan supply.Commercial banks and other institutions have effectively supported the development of leading enterprises,professional cooperatives,family farms and other new agricultural business entities around the requirements of credit policies,and promoted the implementation of the rural revitalization strategy.However,there are still problems in the implementation of policy options,additional implementation and other issues,leading to deviation in policy implementation,and the financing needs of relevant agricultural customers can not be fully met,which restricts the further development of rural industrial integration,The implementation effect of relevant credit policies needs to be further improved.On the basis of sorting out the development stages and main contents of relevant credit policies,this paper takes A Bank Shandong Branch as an example to implement the credit policy of rural industrial integration development,focusing on the bank’s measures in terms of building the credit policy system,optimizing the system and mechanism,and innovating the service model,and analyzes the effectiveness of policy implementation.At the same time,taking the Smith’s Policy-Implementation-Processing Framework as the analysis framework,the implementation of the administrative policy and the relevant interview data of other subjects are analyzed.It is believed that there are some problems in the current policy implementation,such as financing difficulties,product homogeneity,policy contradictions,poor coordination,etc.It is proposed that policy shortsightedness,conflict of interests,unclear division of labor,agricultural weakness and other factors are the root causes of these problems.Finally,in view of the relevant problems and the underlying reasons,specific optimization suggestions are put forward to further promote the implementation of the credit policy for the integrated development of rural industries,promote the industrial prosperity and rural revitalization,focusing on promoting the construction of the policy itself,improving the executive power and enthusiasm of the executive agency,improving the business ability of the target group,guiding the effective participation of social organizations,optimizing the economic and social environment,etc.