| The development of the rural economy is bound to have enough funds to support.However, in the process of the development of rural areas in China, there is a funding gap. Especially for farmers as well as small and micro enterprises,there exists the phenomenon of insufficient funds. In the process of commercial bank reform, the business outlets in the county area gradually merged into a larger commercial bank. In the large scale commercial bank loan business, the proportion of farmers' loan business is very small. In addition,the commercial banks still exist various problems,such as product homogeneity and incompletely reform which leads to the current rural household loan products do not match the needs of local farmers. In order to better develop the rural finance, it is necessary for Agricultural Bank of China to undertake the task of serving the farmers and provide a higher level of financial services. Agricultural Bank of China is bound to continue to enrich the rural loan related products,rich farmers loan products and improve the service consciousness of farmers so as to enable the rural economy to get better development.In this paper, L branch of Agricultural Bank of China is the object of analysis. Since L county's branch has introduced farmer loan business, it has effectively supported the development of local farmers as well as small and micro enterprises. However, there are some problems in the process of development. In order to better support the county's rural economy, L County branch of Agricultural Bank of China should be in accordance with the specific requirements of the higher branches to increase investment in the loan business of farmers. In this paper, through the collection of relevant information on the farmers' loan business, we can understand the specific situation of the agricultural bank loans. Then, this paper analyzes the current situation of the development of the rural household loan business of L County branch. By reading the relevant literature and learning from other areas of business innovation, the countermeasures to improve the existing problems are given to promote the healthy development of rural credit business of L County branch.This paper is divided into five parts.The first part is the introduction which mainly introduces the research background,the purpose ,innovation and shortcomings.The second part is the brief introduction of L County branch that mainly introduces the general situation of L branch,the characteristics of L branch and the rural household loan business types of L branch. The major business types include public products and personal products of farmers' loans.The third part is the main part of this paper that analyzes the main business of the rural household loans of L branch, the way of guarantee of rural household loans in L branch,the risk prevention measures of L branch in farmers' loans and the measures taken by L branch in promoting the loan business of farmers.The fourth part is about the problems and its causes about the rural household loans of L County branch. The existing problems of L branch's farmers loan business is the increasingly proportion of non-performing loans and the slow growth of farmers' loan scale. The main factors causing this situation includes the following aspects. Farmers'loan guarantee problem is difficult to implement in L branch. Customer service awareness of managers needs to be improved. L branch lacks of farmers' loan risk control and effective internal incentive mechanism. In addition, the construction of the channel network needs to be improved.The fifth part is the countermeasures and suggestions to improve the rural household loan business of L branch. Combined with the economic and industrial structure of L County, L branch needs to innovate the farmers' loan guarantee model, strengthen the responsibility of customer manager, enhance the risk management of farmers' loans,improve the internal incentive mechanism and speed the construction of service channels. |
PDF Full Text Request