A Study Of Agricultural Credit Instruments Of Rural Credit Cooperatives

At present, the rural credit cooperatives has been a very important financial ties ofour party and government with the broad masses of the people, can also be said to bethe leader of the majority of rural areas force the rural financial market. Rural creditcooperatives, rural financial market financial services provider, its agriculture-relatedcredit operations carried out in good or bad is directly related to the survival of ruralcredit cooperatives and healthy development of the problem, also related to the vastrural areas, agricultural structure constantly the level of economic and socialdevelopment of the adjustment and upgrading, as well as rural areas and farmers inrural areas living standards of At present, the rural credit cooperatives can be said thatthere are still many development problems, particularly in relation to supportagricultural production and credit operations carried out in the life of the peasants isrelatively single, and also a lack of awareness of business innovation design; ruralcredit cooperatives in agriculture-related credit operations should become thedevelopment, promotion of credit products. Rural credit cooperatives, agro-creditoperations carried out in less than ideal, the implementation is still not in place. At thispoint, the rural credit cooperatives by vigorously for agriculture-related credit productsof innovative design, and promote rapid and healthy development of the "three rural"cause in the vast rural areas, and promote the harmonious construction of newcountryside has seemed imminent.Total is divided into six parts, the first chapter briefly described the researchbackground, the definition of related terms, and rural credit cooperatives, agro-creditproduct design major era of significance; the second chapter of Enshi, Hubei assamples, through a lot of research activities in rural areas, a detailed analysis of thestatus of the rural areas, development of rural financial markets, credit products andanalysis of issues related to development; Chapter III of the need to follow the three principles of rural credit cooperatives, agro-credit products of innovative design, and inthis The five core elements of the financial and credit products, loan amount, loan rates,loan term, by way of security, on the basis of repayment methods to conduct in-depthanalysis; innovative analysis of rural credit cooperatives, agro-credit products, and acombination of Hubei Enshi Prefecture of rural financial market development,innovative design out of the two agriculture-related credit products, they are: theincome of farmers is expected to credit and agricultural projects Association revolvingloan; Chapter agro rural credit cooperatives credit product innovation and refinementof views. The whole article in Enshi Prefecture, Hubei, Hubei rural financial marketdevelopment degree of the local industrial structure of agriculture and local economicand social development, innovative design to meet the actual needs of rural farmersand friends financial and credit products, but also on future rural credit the agro-creditproduct innovation and offers some lessons.This article is the author in nearly a year in-depth thinking and analysis, thetheory of agriculture-related credit products, through a large number of practicalresearch in Enshi Prefecture, Hubei rural areas, on the basis of the evidence collection.The innovation of this paper are: First, innovation in the article content. This article theoriginality of the rural credit cooperatives, agro-credit product innovation to befollowed by the three principles, namely the development of agricultural productionand management to serve the farmers for the purpose; take into account theprofitability of trade-off considering the development of sustainability; to guard againstoperational risks as The bottom line of the development. Second, for the article in theconclusions on innovation. In-depth analytical thinking through the current state ofdevelopment of rural areas, agriculture-related credit products, the rural creditcooperatives, agro-credit products to further improve and perfect proposal. Theultimate purpose of this article is to make a little bit of exploratory research in the vastrural areas, rural credit cooperatives in agriculture-related credit products of innovativedesign. However, given the current reality, domestic and foreign agro-credit information is more a lack of research and multi-described expression in the text-based.Therefore, in theory still is still a lack of depth, in addition, the authors’ knowledgelevel of ability is still limited, there will inevitably be some biases in the article,experts, scholars and friends please you correct me.