Research On The Farmer Credit Model Of "Company+Farmer+N" In Bank A

The 14th Five-Year Plan has entered its second year of implementation.Vigorously developing rural revitalization and accelerating the construction of a new countryside are the primary tasks at the current stage.The No.1 document issued by the CPC Central Committee in 2022 defines the direction of our work on agriculture,rural areas and farmers in the coming period.The document points out that the current period should focus on industries,promote rural development,and strive to develop industries with significant comparative advantages,strong rural capacity and more jobs,and promote the formation of a new rural development pattern of "one county,one industry".At the same time,the document calls for the continuous strengthening of financial services in rural areas,accelerating the construction of a sound rural credit system,and increasing loans to farmers.As an important part of the credit business of commercial banks,farmers’ loans play an important role in serving the rural revitalization and helping the construction of new countryside.In recent years,the credit scale of farmers has been growing continuously,but due to their low technical level,weak management ability,low credit rating and lack of market competitiveness,the high non-performing loan rate,low bank income and loan management are difficult.But as a state-owned bank,must shoulder the responsibility of rural revitalization,Banks must be both social responsibility and enterprise income under the premise of promoting rural credit market development,therefore,through the reasonable choice of agricultural industry projects,build a balance of commercial ecosystem,improve the farmers and industrial project comprehensive credit rating,reduce commercial bank credit risk,improve the quality of bank credit assets,is very important for commercial Banks.In this paper,with Bank A,Based on the theory of credit enhancement and stakeholder theory,Using literature research method,investigation and interview method,qualitative and quantitative analysis method,comparative analysis method,Analyzing the current situation and main problems of farmer credit and the causes of the problems,Discuss the principles and objectives of the farmer credit model design and the selection criteria of the "Company +Farmer + N" cooperative enterprises of Bank A,Finally complete the "Company + Farmer +N" credit mode design;Later,the credit enhancement mechanism around the peasant household credit is analyzed,Finally,clarify the interests and risks borne by all stakeholders in the overall project model,Finally,specific safeguard measures are put forward for the implementation of the "Company + Farmer + N" credit model of Bank A effectively.Through A bank "company + farmers + N" credit model research,hope to reduce the commercial Banks in farmers credit facing credit risk,also hope to the bank or the government in the process of rural industry development how to choose industrial projects,by building a new rural industry business model to participate in farmers credit business to provide some reference.