Research On Farmer Loan Development Strategy Of Agricultural Bank Of China Fujian Branch

Since the 19 th CPC National Congress,the CPC Central Committee has proposed to comprehensively promote rural revitalization and actively develop rural finance.As an important part of rural finance,farmer’s loan is an important way to support rural economic development and an indispensable means to promote the strategy of rural revitalization.At present,there are still many problems in the development of farmers’ loans in our country.Only by solving these problems can we effectively alleviate the contradiction between supply and demand of farmers’ loans,improve the availability of farmers’ loans and realize the sustainable development of rural economy.Agricultural Bank of China,as the backbone of“Serving agriculture,rural areas and farmers”,has always insisted on the support of agricultural industry,precision poverty alleviation,rural revitalization and other fields.In this paper,425 questionnaires were designed and collected to investigate the current situation of supply and demand of farmer loans in Fujian province.The results show that there are still problems such as mismatch between supply and demand of loan products,unreasonable structure and low service level in farmer loans in Fujian Province,and there is still a large space for the development of farmer loans.Then,it introduces the development process of farmer’s loan of Fujian Branch of Agricultural Bank of China,takes the development of Huinong E loan business as a specific case,and summarizes the achievements and shortcomings of Huinong E loan business development.Through drawing lessons from the experience of international financial institutions in the development of peasant household loans,advanced experiences such as flexible design of loan products,fully mobilizing the enthusiasm of employees,focusing on strengthening risk control,strengthening exchanges and cooperation with government departments,and paying attention to long-term maintenance of peasant household relations are summarized to promote the development of peasant household loans.Finally,the paper puts forward four suggestions on the development strategy of agricultural Bank of China Fujian Branch’s farmer’s loan,such as strengthening product innovation and increasing resource inclination.Based on this,this paper puts forward suggestions for the development strategy of farmer’s loan of Fujian Branch of Agricultural Bank of China from four aspects.First,to meet farmers’ loan demands,it is necessary to strengthen product innovation,create diversified business models,adopt credit granting methods according to local conditions,and flexibly choose mortgage guarantee methods.Second,to strengthen the development of farmers’ loan guarantee,to strengthen the resource tilt,improve the assessment and incentive mechanism,promote mass marketing cluster,strengthen the construction of high-quality credit team.Third,in terms of improving the development quality of farmers’ loans,online risk prevention and control should be strengthened,digitalization of credit risk warning,daily loan management and case prevention and control should be created.Fourth,to improve the profit space of farmers’ loans,we should continue to promote Huinong E loan +,vigorously promote value-added services,and actively do a good job in brand publicity.