A Case Study On Agricultural Loan In Panyu Branch Of G Rural Commercial Bank

Agricultural-related loans is an essential part of rural financial system when financial institutions are providing support and services for agriculture,rural society and peasants.In the context of the new normal in the economic development phase,this subject is worthy of some research,since commercial banks have to find out how to drive the development of agricultural-related loans,and help solve farmers' troubles when applying for a loan.This paper focuses on better developments of agricultural loans in G Bank,Panyu Branch.Its operating model would be analyzed through case studying methods to find out the existing problems,meantime,countermeasures and suggestions are put forward against the problems.The study found that,firstly,there are some existing problems in the agriculotural-related loans of G Rural Commercial Bank,Panyu Branch at present.Its evaluation and management system is unreasonable,and employee's performance evaluation is unable to promote its growth in the business performance,also,which follows the low efficiency and lagging in the risk control system.Secondly,it resulted in the growth of agricultural-related loans of G Rural Commercial Bank,Panyu Branch being nearly at a halt,and the decline of loans and contribution to the development of local countryside.And for the reason of not being able to complete the assessments from superior levels and the increase of risk and pressure,which has given marketers less motivation in marketing.Thirdly,to improve and encourage the contribution to local rural economy from agricultural-related loans,following measures could be taken during the management reforms.They should alter thought patterns of agricultural-related loans,strengthen local government linkage mechanism,optimize the management system of agricultural-related loans,innovative business models and financial products of agricultural-related loans and improve risk control measures.