Research On The Development Of Rural Credit Business And Its Countermeasures

Rural credit business plays a certain role in promoting the development of rural economy,and solves the problems of insufficient funds for farmers' production and operation.However,the development of rural financial services in China is relatively late,and there are some problems in the development process.The development of financial business cannot better meet the needs of farmers.The article follows the basic idea of the new public theory.Like government management,the bank also needs to change the concept of customer demand as the central market.The fundamental way for the benign development of rural financial credit business lies in the accurate identification of the bank credit institutions for customers(including potential customers).With the development of economy,the market of China is changing to the market of developed countries,and the seller's market is transformed into a buyer's market.In the market competition,if the seller wants to defeat other competitors,the product needs its own product to be more competitive than the others,so it must adapt to the development of the times and make it conform to the development of the times.The market's innovative products,the credit products that are close to the needs of farmers.The main purpose of this paper is to analyze the current situation and Countermeasures of the development and Countermeasures of the credit business in the rural financial business.The main purpose of this study is to find out the shortcomings in the process of the development of the rural credit business and improve the countermeasures so as to better promote the credit business in rural areas in Yantai.Development.In the course of the study,we mainly used the methods of literature,questionnaire and interview to enter villages and towns in Yantai and collect relevant data.Through in-depth investigation,the conclusions are mainly included in the following aspects: first,this paper points out that the demand for rural credit business in Yantai is increasing gradually,the credit business can not meet the current rural needs,the loan application is more difficult,the probability of bad credit occurrence probability is relatively large.Second,the analysis of the reasons for the development of rural creditbusiness is mainly due to the single variety of credit products,lack of adaptability,poor credit evaluation system of farmers,lack of effective credit guarantee mechanism and insufficient government support.Third,it is pointed out that in order to better promote the development of credit business,we need to establish a multi-level financial service system,perfect the guarantee system and the credit evaluation system for farmers,increase the support of the government and create a good supervision environment,so as to better ensure the healthy development of the rural credit business.