The Study On Loan Business Development For Agricultral Development Bank Of China WZ Buach

Since the reform and opening up, with the gradual deepening of economic mechanism reform in China, the private enterprises are growing fast and continued to become an important part of the national economy. Private enterprise is not only an important force in China’s sustained economic growth, and the development and stability of private enterprises is closely related to agriculture, employment and social problems. The biggest bottleneck is the shortage of funds in the development process of private enterprises, in addition to the accumulation of funds, bank loans to private enterprises is an important way to solve the problem of funds. Private enterprises is more and more important in national economy, but private enterprises is at a disadvantage in the loan application when applying for a loan. In the prevention and control of risk, credit scale and management ability are limited, bank credit more inclined to state-owned large enterprises and big projects, the majority of private enterprises due to the small scale, irregular management, credit degree is not high reason of different extent by bank discrimination, especially the weak agriculture related private enterprises are difficult to obtain bank loans support.Agricultural Development Bank of China is the only agricultural policy financial institutions in China,it’s purpose is servicing for agriculture. In 2004, the twelve consecutive central file focused on "three rural issues", to solve the "three rural issues" rose to the height of national development strategies. Agricultural Development Bank of China as a bank of new rural construction, it have the responsibility to support agriculture private enterprises. Since 2004, the business scope of the Agricultural Development Bank of China continuously expand, loans object expand from traditional state-owned grain enterprises to a variety of system of ownership of agricultural enterprises. Agricultural private enterprise cohesive whole industry chain of agricultural products, promote the local rural economic development faster, led farmers to get rich in rural areas, has become the main force in the development in the new rural construction, solve the problem of agriculture private enterprises, promote the healthy development of agricultural products as raw materials of agricultural private enterprise, the major mission of Agricultural Development Bank of China, and also an important embodiment of national new-type urbanization policy. However, a few years from the present situation of development of agricultural business of private enterprises loan business, Agricultural Development Bank of China still exists many some restricting factors in private enterprises loan business.This paper research on the private enterprises loan business development course and the present situation of Agricultural Development Bank of China WZ branch as the starting point, analyses the existing problems and the causes of Agricultural Development Bank of China WZ branch private enterprises loan business, and learn from the development experience of private enterprises loan business to carry out better China Development Band and China Minsheng Bank,puts forward some measures and the countermeasures of Agricultural Development Bank of China WZ branch to the development of private enterprises loan business.