Research On Griculture-Related Loans Of Leshan Sanjiang Rural Commercial Bank

Leshan Sanjiang Rural Commercial Bank(SJRC)was launched on May 4,2011.Its business focus is that provides financial support for agriculture,farmers and rural areas.After eight years of development,SJRC has developed into the largest financial institution in the middle of the city to undertake the credit rating of poverty alleviation micro-credit,and has undertaken more than 50% of the total credit rating of poverty alleviation micro-credit in the whole region.However,with the implementation of Leshan’s "13th Five-Year" agricultural and rural economic development plan,the development mode of Leshan’s regional economy has changed,which brings opportunities and challenges to the further development of SJRC.In order to support the development of "agriculture,countryside and farmers" economy in Leshan,this paper combines agricultural credit subsidy theory,rural financial market theory and information asymmetry theory to analyze the current situation ofGriculture-Related Loans of SJRC,and explores the types of Griculture-Related Loans products andGriculture-Related Loans of SJRC by means of questionnaire survey.The purpose of this paper is to realize the efficient operation of the loan business of SJRC.Through the research,the following conclusions are drawn: in the aspect of Griculture-Related Loans,due to the impact of shortage of agricultural funds,the small loans of SJRC can not meet the economic development of "agriculture,countryside and farmers";due to inadequate publicity and limited farmers’ awareness,the agricultural financial products handled by SJRC are single;because the price of agricultural products is unstable,leading to the development of SJRC.Because of the high risk of Griculture-Related Loans,the lack of agricultural loan guarantee institutions and the defect of loan approval process,the proportion of non-performing loans in SJRC remains high.In order to effectively solve the above problems,SJRC seeks a new way out for its development mainly through fine management of agricultural loans,implementation of differentiated development strategies,and deepening the incentive reform,commercialization reform,loan mortgage guarantee system reform of the supervision and management system of agricultural loans.In this paper,the research perspective,methods and content have been innovated,that is,taking SJRC as an example,to explore the "three rural" loan business issues;through literature collation,through a questionnaire survey to collect the credit business data of SJRC,and put forward targeted rectification proposals to achieve the combination of theory and practice;research content,explore the hand;The application value of Machine and Wechat in the Griculture-Related Loans ",and put forward to open up a variety of channels to publicize and handle the financial business of "agriculture,countryside and farmers".