Research On The Development Of Peasants' Small Loans In Taian Agricultural Bank

As one of the pillar industries in China,traditional agriculture always is paid more attention by chinese goverment.Although there have been many new policies about three rural issues in recent years,rural and agricultural issues are always short boards of our government in the context of urbanization and industrialization construction.At present the main task and working direction of our country is to build a moderately prosperous society and realize the development of urban and rural areas,especially the backward rural areas.The development of rural areas calls for financial support in particular.Now there are many financial institutions which have provided financial assistance for less-developed rural areas.And the service of peasants' small loans in Taian Agricultural Bank is very representative.With the construction of new three rural issues as a goal and cards of benefiting farmers as a carrier,peasants' small loans are positioned in less-developed poor rural areas to help our country to solve problems in rural areas in the process of building a moderately prosperous society.Through the survey,the author finds that Taian Agricultural Bank has issued more than 500 thousand cards of benefiting farmers and peasants' small loans have amounted to over 430 million yuan in the past three years.In addition,the penetration rate of peasants' small loans of Taian Agricultural Bank in their area is about twenty percent according to incomplete statistics.The service,peasants' small loans,provides good opportunities and ways of easing rural financial pressure and supporting peasants' production.Although achievements have been made in peasants' small loans business for Taian Agricultural Bank,some disadvantages also become apparent with the promotion of the service.For example,the early stage of loans are difficult to recover and bad loans are rising as the loan demand and financial liquidity decrease.The service of peasants' small loans is a financial policy which is beneficial to peasants.In order that the service can proceed smoothly,based on the development status of Taian rural areas and the analytical basis of professional theories,the paper gives a combining analysis of the Taian rural construction and loans in Taian Agricultural Bank,finds out the root problems in the development of peasants' small loans in Taian Agricultural Bank and puts forward positive solutions.This will create a new developing orientation and pattern and lay a theoretical and practical foundation for promoting a healthy and constant development of peasants' small loans.At the same time,in order to find more business directions and finally to realize the pluralistic business development for Agricultural Bank,the paper also analyzes the development broaches of peasants who have small loans.The analysis will offer some references to other local financial institutions in direction of business innovation.