| To achieve agricultural development,we must rely on scientific and technological progress,change the mode of agricultural growth,a large number of funds for agricultural development,and the rational use of these funds.Therefore,it is necessary to actively absorb development funds from all sides,increase agricultural investment,improve the efficiency of agricultural funds and promote the sustainable development of agriculture.While Penglai's rural areas have achieved tremendous development and farmers' income has steadily increased,the direction of financial credit to support agriculture should also be adjusted accordingly,One of the important which is based on the country's rural policies and the actual situation of local agricultural development.Based on the actual changes in the countryside,many local banks have gradually shifted their micro-loans from mainly targeting the poor to supporting the growth of agricultural industry.In this research,the new problem of the decline of our bank's peasant household micro-credit business was studied.Through studying the current situation of our bank's micro-credit business and collecting and researching the existing data of our bank's peasant household micro-credit business,the current situation of our bank's micro-credit business and analyze the problems that affect our bank's micro-credit business would be analyzed.And the relevant solutions would be put forward.In the reform of the Agricultural Bank of China(ABC),the non-performing loan rate has been regarded as an important indicator of reform and performance appraisal.By the end of 2017,the non-performing loan of ABC Penglai Branch has been reduced from 17.8% five years ago to 13.2% now.Especially in recent years,the rapid development of the micro-credit business of farmers,the loan quality of ABC Penglai Branch has risen.To a great improvement.(2)Agricultural Bank of China Penglai Sub-branch's success rate of applying for small loans has been increasing year by year.The success rate of applying for small loans increased from 50.2% in 2012 to 75.4% in 2017.There is a problem of "loan difficulty".The amount of microcredit has been decreasing year by year.(3)Through the actual survey of farmers in Penglai,it can be found that the average income of farmers in Penglai is relatively low,and this part of farmers' desire for income increase is more urgent,and it is also the focus of micro-loan support objectives.Farmers are still mainly planting and breeding,which is also the inevitable result of rural economic development under the agricultural situation of more farmers and less land.If farmers want to diversify,there must be a demand for credit.Therefore,farmers' micro-credit should not be mainly used in agricultural production,but should be used to promote household income.According to the investigation of the credit demand of the farmers in Penglai,there is still a big gap between the farmers with credit demand and the actual demand of the farmers,and there is still a lot of upgrade space for the development of micro-credit in Penglai.The proportion of farmers in need of credit support is still very large,and so the prospect of farmers' micro-credit business is relatively wide.The decline of the farmer's micro-credit business of the Agricultural Bank of China(ABC)Penglai Branch was not caused by the lower demand for farmer's credit,nor by the risk and profit of the farmer's micro-credit of the ABC Penglai Branch.On the contrary,farmers' demand for real credit is very high and much higher than that of farmers.In this paper,the tactics of the ABC Penglai City Branch of the issue of sustainable development of micro-credit are as follows: 1)the support to the development of new industries of farmers;2)the conversion of ideas of loans;3)the reform of mortgage;4)the adjustment of credit pricing strategy;(5)the credit and default issues;6)the promotion the quality of customer managers business(6)the prevention of credit risks. |
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