Case Analysis On The Secured Loan To YY Farm Of Shunfeng Village Bank

Since 2004, the central document for 13 consecutive years to target the focus of agriculture. Tilt to the "three rural issues" in the national strategy background, helped the country to live under the guidance of the policy of small and micro enterprises, we happy see in the vast field of coruscate gives new hope, a group of interested in the development of agricultural industrialization, bigger and stronger agricultural enterprises are in the hard cultivate their dreams, with the motherland together to achieve the great rejuvenation of the Chinese nation the Chinese dream.Village banks as countries in recent years to support the rural economy vigorously advocated the new financial institutions, with its highly efficient, friendly, civilian business philosophy in the county and township level administrative region plays a important role more and more prominent. With the continuous growth of the rural banks, mainly distributed in the township of rural banks in the process of doing business with customers, because of such factors as information asymmetry exists, will lead to a lot of loan default, resulting in accumulation of village bank risk. It is easy to make quickly died. In order to let rural banks healthy rooted villages, provide quality financial services for the majority of rural enterprises. This article carries on the analysis to Shun Feng Village bank loan case, in-depth analysis of the problems in loan guarantees. This paper firstly clarifies the significance of the topic, research contents and research methods of this article, the innovation and deficiency. On the definition of the form and characteristics of this paper mainly studies the guaranteed loans gradually to analyze the meaning and characteristics of including secured loans. And then to Shun Feng Village bank loans introduced in detail:case analysis of loan guarantees to ease the financing difficulties of rural, billion risk control, reduce risk of village banks, avoid moral hazard of merit followed to the secured loan case of overall evaluation, put forward to optimize the rural bank loan guarantees in customer choice industry is fragmented, suggestions to improve the understanding of the investigation of the guarantor. Through the above analysis for rural banks in the "three rural" economy play a bigger and better effect.The healthy development of the rural financial market especially the growth of rural banks and other financial institutions such as growth in small and micro enterprises in rural areas, is conducive to the construction of a new socialist countryside in China, is conducive to the Chinese nation as soon as possible to achieve the great rejuvenation of the Chinese dream.