| Rural Cooperative Bank is the transitional stage of Rural Credit Cooperative reforming to Rural Commercial Bank,and it is representative in the process of rural financial development in China.Based on the experience of Gansu Yuzhong Rural Cooperative Bank in serving the Agriculture,Countryside and Farmers for many years,this paper summarizes up the problems in the process of supporting Agriculture,analyzes the factors,analyzes restrict factors deeply,and put forward some feasible suggestions.It is hoped that the Rural Cooperative Banks can better solve the financing problems of the Agriculture,Countryside and Farmers,improve the rural economy and social development,increase farmers' income,and achieve a well-off society as soon as possible.According to sum up the current economic and financial development of Yuzhong County,analyse the characteristic of rural-finance demand they are found that Rural industrial structure has been constantly optimized and upgraded,Farmers' living standards and quality has been generally improved,the new type of rural management businesses is also gradually grow,the rural ecological environment has been improved in general.The total amount of agriculture-related loans has increased year by year,rural production and operation loan,there are exuberant demand of loans in production and management,There is a big financing gap for new type of management businesses,the supply of rural consumer credit is poor.According to sum up the current situation of support agriculture,they are found that the sheer number of agriculture-ralated loans balance is,addition to small fluctuations,on the rise generally in the last five years,the credit availability to peasant households is greater than enterprises,credit loans account for a high proportion,in order to solve the problem of expensive loans,the interest rate of agriculture-related loan is constantly adjusted,on the innovation of financial products,the ”Internet+Inclusive Finance” service has been launched,Characteristic loan products have been introduced basing on the characteristic and dominant industries,the precision poverty alleviation work was actively promoted.Although Yuzhong Rural Cooperative Bank has made efforts to support agriculture,there are still some problems.in the last five years,the proportion of agricultural loans balance to total loans decreased year by year,types of characteristic loan products are few,Marketing is not enough,Farmers and agricultural enterprises can not provide effective collateral and it is difficult to dispose of some collateral of agriculture-related loans.The main factors restricting Yuzhong Rural Cooperative Bank to support agriculture include,there are high risk and low return for agriculture-related loans,a series of preferential policies and measures on tax preference,cost reduction and financial support were not satisfactorily implemented,capital structure is unsubstantial,the overall quality of staff is limited.Finally,Based on the previous results,suggestions are put forward.On the one hand,the enthusiasm for Yuzhong Rural Cooperative Bank to offer agriculture-ralated loans should be improved,the government should guide the development of agricultural industry,make efforts in sales,implement preferential policies as discount interest loans,the People's Bank of China continues to improve the differential assessment method and implement the incremental reward policy of agriculture related loans.The function of provincial cooperative should be changed from management to service.On the other hand,Yuzhong Rural Cooperativez Bank should tap the rural market thoroughly,increase the investment of loan in new type of management businesses,strengthen the renovation and marketing of characteristic loan products,solve the mortgage problem by innovateing the guarantee mode,p promote the competitiveness of enterprise by paying more attention to improve the quality of staff. |
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