The Research On Development Strategy Of The Farmers’ Small Credit Business In Xiangxiang City Branch, Agricultural Bank Of China

Rural finance is the core of modern rural economy;“Three Rural” financing isour country rural financial areas of outstanding problems, is also restrict the ruraldevelopment, the efficiency of agriculture and increasing the income of farmer’simportant factors. In the “Three Rural” the problem of financing, the most difficultproblem is the farmer’s loans.National "Twelfth Five-Year" Plan clearly set Perfect rural development systemmechanism, developing the rural small financial organizations and small credit,perfect the system of agricultural insurance, improving the rural financial services,actively exploring the new ways of the solutions to agriculture, countryside andfarmers. Agricultural bank as a state-owned banks, as the backbone of the ruralfinancial sector, we must bear in mind that we offer the peasants for financial servicesdirectly, because that is our responsibility and obligation; must to relieve why thepeasants loan services is so difficult, that is the key point and breakthrough point ofthe “Three Rural”, must to innovate mode of service and the means. Now, Agriculturalbank services for the farmers is the best cutting points made by the farmers’ smallcredit business at the core huinong card of work, through giving full play to theexisting network, and work out ours potentialities, that is the good service to millionsof farmers.This article aimed at apply the rural financial theory, full assimilate existedresearch result, and take the criterion and empirical research, qualitative analysis andquantitative analysis, and the method of academic research and demonstration study,by both at home and abroad the farmers small credit business on the review ofdocuments, elaborate the definition of the farmers’ small credit business, the functionand other conceptual problem; we should analyze Xiangxiang City Branch,Agricultural Bank of China (Xiangxiang City branch) farmers’ small credit businesssituation and problems；state the development of theoretical basis of the farmers’small credit business and comparative analysis of both at home and abroad, and alsowe should make a Concreting analysis of the rural areas credit supply and demand andthe market environment of farmers’ credit business in Xiangxiang City, Raise of fullimplementation of "5old" and " Farmers’professional cooperatives+farmers" modepromote business development and implementation of its security policy, trying to discover Xiangxiang City branch to accelerate development, use methods andchannels to solve the problem of peasants credit.