Study On Dongying Agricultural Bank Of China To Support Development Of Farmer Cooperatives Problems And Countermeasures

In February 2015 the People’s Bank of China to expand the study "Rural Finance Division of" Agricultural Bank of China deepening reform pilot program,to continue to explore the commercial financial services,"three rural" sustainable model to enhance the "three rural" financial services and county level.Farmer cooperatives and farmers as a connecting bridge and bond markets,on the one hand financial institutions raised demand for services,on the other hand to the Agricultural Bank,including financial institutions,provides the opportunity of their own development.The current level of overall development of Dongying farmer cooperatives is not high,still at an early stage of the development of cooperatives in the development of long-term financing problems facing.Research indicates that the Agricultural Bank of Dongying City in order to succeed the credit policy as cooperatives support Dongying City farmer’s key elements,made the corresponding research work in the relevant work of banks,will "increase farmers’ output,output value,and efficiency" as Job focus,focus on the "three rural" issues launched for farmers add value to agricultural products,the combination of science and practice and explore a series of benefit to farmers cooperatives work items.Dongying Agricultural Bank credit to support the professional development of farmers’ cooperatives main problems is the lack of loan guarantees way,supply and demand of capital goods letter term dislocation,difficult to control credit risk,cooperatives weak profitability.This paper presents a reasonable choice of credit support model;support the establishment of the Agricultural Bank of farmer cooperatives development organization,to explore ways to credit rating loans,cooperatives should have property rights can be mortgaged assets to enhance support for the proposal of Dongying Agricultural cooperatives development level farmers.