Study On Loan Management Of Agricultural Development Project In Sichuan Branch Of Agricultural Development Bank Of China

Under the situation that the country attaches great importance to the problem of "agriculture,countryside and farmers",continuously increases the support for "agriculture,countryside and farmers" and directly invests huge amount of funds to support the development of "agriculture,countryside and farmers",this paper adopts the methods of literature analysis,case analysis and empirical analysis.Based on the theoretical guidance and practical experience,this paper studies the problems of loan management of agricultural development projects in Sichuan Branch of Agricultural Development Bank of Sichuan Province and the countermeasures to improve them,based on the theoretical guidance and practical experience.In order to enrich the research content of loan management,this paper puts forward the improvement strategy and management method of agricultural development project loan management mode in Sichuan Branch of Agricultural Development Bank,and puts forward the improvement strategy and management method of agricultural development project loan management mode.And to improve the loan management of agriculture-related development projects in Sichuan Branch of Agricultural Development Bank.As a guide to train of thought,it shows the theoretical value and practical significance of the research.The research mainly carries out the work according to the ideas of finding problems,analyzing problems and solving problems.Firstly,it summarizes the loan management of agriculture-related development projects in Sichuan Branch of Agricultural Development Bank,and analyzes the causes of the problems existing in its management.Then put forward the perfect strategy.It is found that in the loan management of agriculture-related development projects in Sichuan Branch,it is based on the theory of project cycle,credit risk and value pursuit.In the loan management of agricultural development projects,there are some problems,such as the separation of credit management mode and macro environment,the high credit risk,the high cost of loan management,and the low satisfaction of stakeholders in the management of agricultural development projects.problem.The above problems are mainly due to the insufficient attention to macro-environment,the lack of a comprehensive and dynamic loan risk management system,and the narrowing of the profit space for agricultural-related development projects.Loan management methods of poor project relevance and other factors caused.The conclusions and suggestions are as follows: according to the problems of loan management of agriculture-related development projects of the Agricultural Development Bank of Dazhou City and the analysis of typical cases,the loan management of agriculture-related development projects of Sichuan Branch of Agricultural Development Bank of Sichuan Province,First of all,we should adjust the policy loan management and orientation according to the policy environment,strengthen the credit management theme of the "three rural areas",ensure the implementation of the credit service for agricultural enterprises,and increase the consistency between the credit management mode and the macro-environment.We should construct a comprehensive and dynamic credit risk management system,consolidate the due diligence before loan,establish a comprehensive risk assessment system,implement the separation of loan review,refine the post-loan management,and strengthen credit quality and cost management.To adjust the resource allocation of agricultural development project credit,reduce the capital occupation and adhere to the organic unity of risk and income;To innovate the targeted service method for agriculture-related development projects,to develop credit services based on project characteristics,to improve the level of information services based on customer characteristics,and to build financial service platforms based on the needs of the government and the people.