The Research Jiangxi Agricultural Development Bank Service"San Nong" The Current Situation And Policy Proposal

The problems of China’s agriculture、rural and farmer, relates our country economy and society to develop. Because of the complexity the "san nong " problem, solve such a matter of overall the major issues, need multiple systems and levels of effort.Agricultural Development Bank of China, as the only agricultural policy bank in china, According to the nature of the Agricultural Development Bank, it is the obligation and responsibility to help solve agriculture, rural and farmer problems, especially to solve rural fund outflow of blood loss, establish the machine of rural fund making backflow.So, The paper uses research methods of literature retrieval、mathematical statistics to analyze bank asset quality, the loan structure and service "san nong " ability for Jiangxi branch of the agricultural development, the results showed, Jiangxi branch of the agricultural development bank to promote social economy comprehensive and sustainable development has made its due contribution. The main performance is:the ability of service "san nong " increases further, optimized apparently structure of grain cotton loan, steadily improve the of service " san nong " sustainable power, effectively supporting the Jiangxi province commissariat industrialization level and develop characteristic agriculture area and platform. But, with the enormous demand, there are still some problems, mainly displays:business structure is not quite reasonable, long-term policy loan proportion is too small, the agricultural industry chain penetration not enough, the ratio of income from intermediate business operating is very small.Finally, according to the existing problems, the paper put forward development strategy, achieve "two combinations", namely " combination of policy and finance " and " combination of closed and open ", put forward strengthening strength and speed of the service "san nong" from three aspects, namely, increase efforts to support the rural water conservancy construction, advance agricultural industrialization steadily development of business and expand the total credit, the credit structure optimization.