Research On The Optimization Of Rural Credit Project In Ganzhou District, Zhangye City

The "three rural" issue has been the main problems in China's economic development,and "San Nong" question is the core of the problems of farmers 'income,increase farmers ' income and agricultural sustainable development requires financial support.Rural finance is an important component of China's financial system,but also an important force in supporting agriculture.In recent years,the rural credit project construction in improving the rural financial eco-environment,raise the level of credit for agriculture,and fundamentally solve the problem of farmers ' loan targets,development and help financial institutions increase the "San Nong" credit investment,easing farmers ' loans,rural payment environment,driving farmers had achieved substantive results.Thus,the advantages and disadvantages of rural credit project construction,building a well-off society,farmers,agricultural,rural economic development and realize common prosperity of the whole nation is very important.2014 Years,the State Council issued the plan for the construction of social credit system(2014 to 2020 year)clearly stated,the implementation of rural credit system construction project.2015 years,the people's Bank of China on promoting small and medium enterprises and special arrangements for the rural credit system,based on the perspective of public management are analyzed for inclusive finance,public service,public relations and the relationship between rural credit project,Combined with the construction of rural commercial banks carrying out credit system in the countryside of Zhangye,promoting the construction of rural credit project in Ganzhou district,question,analyze,solve the problem of the three-stage were discussed.This study found that rural credit project in Ganzhou district of Zhangye city has made remarkable achievements at the same time,there are still some problems that cannot be ignored,including:Policies and laws to support flagging,participants are not enthusiastic about;Linkage information lags,information-sharing mechanisms to be perfect;Credit information collection difficulties,low data authenticity;Rating method is relatively simple,scientific and strict enough?Ganzhou district,by analyzing the causes of problems of rural credit project construction in the process of further proposes specific measures,such as:a sound rural credit system construction work responsibility system,improve rural financial eco-environment;promoting inclusive finance in rural areas,establish risk-sharing compensation mechanism Speed up the informatization construction of credit system and strengthen the enforcement system,focusing on risk prevention;innovative financial services products,increase effective demand;Ganzhou district,so as to promote rural credit engineering systems have been improved to provide strong protection.Accelerating new countryside of Zhangye under normal commercial bank's reform and development.