N Rural Commercial Bank Lending To Business Development Countermeasure Research

After entering the 20 th century,local rural financial institutions in China’s economic development has been cut.With rural credit cooperatives for rural commercial banks in transition,based on relationship lending was more focused on the local small and medium Bank development path.Rural commercial bank customers for small economies,lack of transparency,inadequate against collateral,banks and the problem of asymmetric information between borrowers,resulting in rates of bad loans rising,problems such as lack of effective delivery of bank loans.Relationship lending technology as a loan,as opposed to using the past activities today,"hard information" screen borrowers,collection of soft information to solve the problem of asymmetric information between banks and enterprises,and help agriculture and business development.N rural commercial bank lending,this article will present situation and problem analysis,combined with the current advantages,and actively exploring relationship lending through domestic and international experience of development strategies.With geopolitical relationship lending,personal property is at the heart of current local banks compete,prices lower than the big commercial banks standardized transactional loan N rural commercial banks are more suitable for the development of a differentiated relationship lending.Its advantage lies in the local knowledge,market channels,low cost-free access to information,longterm contact with customer groups better access to non-standard software information.Weakness is a lack of good management structure,lack of effective mechanism within,its personnel and modernizing Bank levels there is a considerable gap;the system is not perfect,technical conditions;historical burdens heavy,N agricultural business banking relationship lending there is no small risk.Current n rural commercial bank lending could not progress in rational utilization of advantages,resulting in personal relationship lending development is slow,the problem of rising bad loans.Through rural commercial bank credit in customer characteristics,features,access to information,as well as human factors aspects.Relationship lending development of successful foreign experience,combining rural commercial bank SWOT analysis and differentiation strategies are needed in view of the current issues raised strengthen retail business information advantage,improve products streamline processes,enhance risk management and control,optimizing staffing,and strengthen risk controls to prevent moral hazard.