The Research On Farmers Microcredit Management Optimization Of Agricultural Bank Of China Branch Of Hanshou County

As the main groups of inclusive finance in China,famers should be given the largest microfinance support when they' re most needed.Based on the concept of serving famers,the agricultural bank of China has carried on extensive exploration and practice of the farmers microcredit business.The difficulty lies in farmers microcredit business is the contradiction between the operative goals of company and the existing state of Chinese famers.This paper selected Agricultural Bank of China Hanshou Sub-branch as the research object.Firsly,based on the review and summary of the theories about microfinance in recent years,we practically found the existing problems of farmers microcredit are the excessive cost,the risk difficultly control,hard to meet demand,limited warranty,mode of lot operation difficultly promote,etc.Secondly,we analyzed the causes of these problems are information asymmetry,poor credit environment,poor quality of employees,unreasonable loan elements,unscientific task evaluation,etc.Thus,an optimal management schemes is proposed to meet the demand of farmers,risk control,cost control based on the principle basis of refinement,sustainability and operability.Ultimately,this paper formulated the steps for implementation in terms of regulations,mechanism,examination,organization,staff management,etc,and expounded the implementation guarantee standing on the angle of interior cooperation in Agricultural Bankof China,credit environment optimization,rural market improvements.This paper designed a systemic and integrated optimization scheme for farmers microcredit of Agricultural Bank of China Hanshou Sub-branch,using the theories of information economics,transaction costs,delicacy management,etc.The scheme not only satisfied the financial demand of famers,but also played an active role in the cost control and risk management.In the meantime,this research played an positive role in developing sustainable loan business,perfecting both the practice and the theories of inclusive finance and microcredit.