Study Of Micro Credit Problem Of Zhongshan Agricultural Bank

Microfinance as a financial innovation service,is the development of the real economy of our country and the construction of harmonious finance,harmonious society important material support.Focus on the future development of microfinance sustainable development,standardization,marketization of interest rate and hierarchical regulation.As of 2013 3 at the end of the Zhongshan city bank loans 188 billion 900 million yuan,the rural commercial bank the loan balance of 31 billion 150 million yuan,accounting for the city's loan market share of 16.49%,a proportion of the market ranked second;the balance of industrial and commercial bank loans and the proportion of the market for the first 31 billion 790 million yuan,only 640 million yuan higher than the rural commercial bank.Agricultural loans Zhongshan rural commercial bank from 2009 to 2013 were 34 million yuan,286 million yuan,306 million yuan.685 million yuan,835 million yuan,the average annual growth rate of agricultural loans is much higher than the loan growth.Nearly 4 years of Zhongshan rural commercial bank loans accounted for the proportion of loans for respectively 1.64%,2.75%,3.59%,5.33%,the proportion is increasing year by year.This paper is divided into six chapters.The first chapter is the introduction,mainly introduces the research content,purpose,research significance and the domestic and foreign rural micro credit review.The second chapter is mainly the meaning of rural microcredit,characteristics,basic types and related theories.The third chapter,the related theory of microfinance absorption,development status the analysis of Zhongshan rural commercial bank microfinance.In the fourth chapter,analysis of the existence and development of Zhongshan rural commercial bank in micro credit problems.The fifth chapter puts forward countermeasures and suggestions to the development of Zhongshan rural commercial bank microfinance.The sixth chapter shows the content of this paper and puts forward the research conclusion and the prospect of the future research.